ZIP 95428 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 95428 (Mendocino County, California) returns a moderate composite of 30/100. Structural exposure scores 69 and live distress 3 on the 0–100 scale. Environmental exposure also runs high (climate & FEMA risk (93/100), flood (NFIP) exposure (81/100)). The most distinctive pressure shows up 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.

The peak-phase market in 95428 posted values that held roughly flat over the year, at 12/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Home values center near $437,200, an affordability ratio of 8.5× — stretched. 58% of housing is owner-occupied. The ZIP holds roughly 1,273 housing units. Vacancy runs 25.6%, above the national norm and a classic distress-and-opportunity signal. Median household income is $44,286, below the U.S. median near $78,000. 34.6% of residents fall below the poverty threshold. Rent burden reaches 55% of tenant households. About 13% have a four-year degree. 2,667 residents call 95428 home, typically aged 40. On demographic stress specifically, 95428 scores 57/100.

On the whole, 95428 leans distressed, with opportunity clustered in specific stressed parcels. Parcel-level detail for 95428 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

No ZIP is too small to score: 95428 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. Sparse data for 95428 shows as blanks, never estimates, and the score updates on every fresh public filing.

95428's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. Practically, 95428 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.