ZIP 95409 Foreclosure, Tax-Lien & Distress Report

ZIP 95409's composite property-distress score is 21/100 - DLRadar classes that as low for Sonoma County, California. It additionally carries heavy environmental risk: climate & FEMA risk (99/100), flood (NFIP) exposure (88/100). On the structural side it scores 47/100, with 3/100 of stress already active. Its heaviest discrete signals: structural risk (47/100), institutional ownership (20/100), mortgage stress (9/100). By contrast, institutional ownership (20/100) and mortgage stress (9/100) register low.

The peak-phase market in 95409 posted values that rose 0.9% over the year, and 6% higher over three years (phase confidence 13/100). Topping markets hide individual distress behind strong averages.

Roughly 5.9% live below the poverty line, a low share typical of higher-equity areas. About 50% have a four-year degree. Median household income is $105,736, above the U.S. median near $78,000. There are about 12,280 housing units across 95409. Rent burden reaches 45% of tenant households. DLRadar's demographic-stress index for the area reads 40/100. 25,960 residents call 95409 home, typically aged 52. Vacancy runs 6.5%. The tenure split is 68% owner-occupied to 32% rented. The typical home is worth about $802,000 (7.6× income, severely stretched).

Net-net, 95409 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. While 95409 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

Big metro or rural, 95409 runs through one identical public-record model, so its 21/100 sits on the same scale as every other ZIP in Sonoma County, California and the nation. Every figure is auditable to a public dataset and refreshed on ingest; 95409 shows blanks, not estimates, wherever the record is sparse.

The 21/100 figure for 95409 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. In workflow terms, 95409 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.