ZIP 95439 Foreclosure, Tax-Lien & Distress Report

ZIP code 95439 in Sonoma County, California carries a composite property-distress score of 21/100 — a low reading on DLRadar's deterministic public-record index. It additionally carries heavy environmental risk: climate & FEMA risk (99/100), flood (NFIP) exposure (88/100). The sharpest non-environmental signals are structural risk (47/100), institutional ownership (20/100). institutional ownership (20/100) stay muted. Latent structural risk is 47/100 while live distress already moving reads 0/100.

Prices here sit in a peak phase: values rose 0.9% over the trailing year, at 13/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

There are about 236 housing units across 95439. Home values center near $721,700, an affordability ratio of 5.0×. Households earn a median $165,216 — above the roughly $78,000 national figure. Rent burden reaches 52% of tenant households. Owners hold 88% of homes, renters 12%. The poverty rate is 14.7%. About 708 people live here, median age 58. The demographic-stress sub-score lands at 37/100. The vacancy rate is 19.5% — elevated. About 23% have a four-year degree.

On the whole, 95439 leans distressed, with opportunity clustered in specific stressed parcels. No parcel file is published for 95439 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

No ZIP is too small to score: 95439 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 21/100 composite is a like-for-like number rather than an isolated estimate. The score is rebuilt from public data as it updates, so 95439 reflects the current record instead of a stale or modeled snapshot.

The 21/100 for 95439 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. Practically, 95439 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.