ZIP 95437 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 95437 (Mendocino County, California) at a moderate 30/100 for overall property distress. Environmental exposure also runs high (climate & FEMA risk (93/100), flood (NFIP) exposure (81/100)). The sharpest non-environmental signals are construction/permit lag (100/100), structural risk (69/100), institutional ownership (18/100). institutional ownership (18/100) and mortgage stress (10/100) stay muted. Structurally it carries 69/100, against 3/100 of stress already in motion.

The peak-phase market in 95437 posted values that held roughly flat over the year, and 5% higher over three years, at 12/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Vacancy runs 17.2%, above the national norm and a classic distress-and-opportunity signal. On demographic stress specifically, 95437 scores 53/100. About 15,106 people live here, median age 50. Around 26% of adults hold a bachelor's degree or higher. 58% of housing is owner-occupied. The ZIP holds roughly 7,791 housing units. The typical home is worth about $554,200 (9.8× income, severely stretched). Rent burden reaches 46% of tenant households. Median household income is $55,061, below the U.S. median near $78,000. The poverty rate is 12.7%.

Taken together, 95437 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. 95437 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

Because one deterministic model scores every ZIP, 95437's 30/100 can be lined up against any neighbor in Mendocino County, California or any ZIP coast to coast. The score is rebuilt from public data as it updates, so 95437 reflects the current record instead of a stale or modeled snapshot.

95437's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. The point of the 95437 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.