ZIP 95436 Foreclosure, Tax-Lien & Distress Report

ZIP code 95436 in Sonoma County, California carries a composite property-distress score of 21/100 — a low reading on DLRadar's deterministic public-record index. What sets it apart are the readings on structural risk (47/100), institutional ownership (20/100), mortgage stress (9/100). By contrast, mortgage stress (9/100) and construction/permit lag (1/100) register low. The latent-versus-live split is 47/100 structural and 3/100 already moving. It additionally carries heavy environmental risk: climate & FEMA risk (99/100), flood (NFIP) exposure (88/100).

The market reads peak — home values held roughly flat year on year, and 6% lower over three years (phase confidence 20/100). Topping markets hide individual distress behind strong averages.

At $96,023, median income runs above typical U.S. levels. The poverty rate is 6.4% — low. 70% of housing is owner-occupied. The demographic-stress sub-score lands at 38/100. The vacancy rate is 10.7%. The typical home is worth about $739,600 (7.3× income, severely stretched). Around 33% of renters are cost-burdened. About 5,999 people live here, median age 41. Around 44% of adults hold a bachelor's degree or higher. The ZIP holds roughly 2,687 housing units.

Net-net, 95436 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.