ZIP 95445 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 95445 (Mendocino County, California) lands at 30/100 — moderate on DLRadar's public-record scoring. Climate and flood risk are elevated too — climate & FEMA risk (93/100), flood (NFIP) exposure (81/100). The split runs 69/100 structural to 3/100 active on the ground. Its heaviest discrete signals: 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.

Prices here sit in a peak phase: values held roughly flat over the trailing year, and 1% higher over three years (phase confidence 12/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Owners hold 67% of homes, renters 33%. Population is roughly 2,102 with a median age of 54. 4.7% of residents fall below the poverty threshold. Rent burden reaches 31% of tenant households. Median household income is $93,365, above the U.S. median near $78,000. About 39% have a four-year degree. DLRadar's demographic-stress index for the area reads 40/100. The vacancy rate is 34.8% — elevated. The ZIP holds roughly 1,368 housing units. A median home runs $707,200 here, or 7.1 times local income.

Taken together, 95445 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

The number is not local guesswork: 95445's 30/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. Every figure is auditable to a public dataset and refreshed on ingest; 95445 shows blanks, not estimates, wherever the record is sparse.

95445'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, 95445 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.