ZIP 95427 Property Distress & Foreclosure Data

ZIP code 95427 in Mendocino County, California carries a composite property-distress score of 24/100 — a low reading on DLRadar's deterministic public-record index. What sets it apart are the readings on structural risk (53/100), construction/permit lag (38/100), institutional ownership (19/100). By contrast, institutional ownership (19/100) and mortgage stress (10/100) register low. It additionally carries heavy environmental risk: climate & FEMA risk (93/100), flood (NFIP) exposure (82/100). On the structural side it scores 53/100, with 3/100 of stress already active.

The market reads peak — home values rose 1.2% year on year (phase confidence 23/100). Topping markets hide individual distress behind strong averages.

The ZIP holds roughly 294 housing units. The poverty rate is 18.1% — high, a tax-stress and distress correlate. About 609 people live here, median age 60. Around 37% of adults hold a bachelor's degree or higher. Around 0% of renters are cost-burdened. The demographic-stress sub-score lands at 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). The vacancy rate is 34.3% — elevated. 72% of housing is owner-occupied.

Net-net, 95427 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.