ZIP 95427 Foreclosure, Tax-Lien & Distress Report

In Mendocino County, California, ZIP 95427 scores 30 of 100 for composite distress, a moderate level on DLRadar's public-record index. Property-level stress concentrates in construction/permit lag (100/100), structural risk (69/100), institutional ownership (18/100). By contrast, institutional ownership (18/100) and mortgage stress (10/100) register low. Environmental exposure also runs high (climate & FEMA risk (93/100), flood (NFIP) exposure (81/100)). Structural risk reads 69/100 against active distress of 3/100.

Prices here sit in a peak phase: values held roughly flat over the trailing year, at 12/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

There are about 294 housing units across 95427. 18.1% of residents fall below the poverty threshold. Population is roughly 609 with a median age of 60. About 37% have a four-year degree. Around 0% of renters are cost-burdened. DLRadar's demographic-stress index for the area reads 47/100. At $54,970, median income runs below typical U.S. levels. The typical home is worth about $777,200 (15.8× income, severely stretched). Vacancy runs 34.3%, above the national norm and a classic distress-and-opportunity signal. The tenure split is 72% owner-occupied to 28% rented.

Taken together, 95427 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. 95427 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

No ZIP is too small to score: 95427 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 30/100 composite is a like-for-like number rather than an isolated estimate. The score is rebuilt from public data as it updates, so 95427 reflects the current record instead of a stale or modeled snapshot.

The 30/100 for 95427 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. Treat 95427 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.