ZIP 95445 Property Distress & Foreclosure Data

ZIP code 95445 in Mendocino County, California carries a composite property-distress score of 24/100 — a low reading on DLRadar's deterministic public-record index. It additionally carries heavy environmental risk: climate & FEMA risk (93/100), flood (NFIP) exposure (82/100). On the structural side it scores 53/100, with 3/100 of stress already active. What sets it apart are the readings on structural risk (53/100), construction/permit lag (38/100), institutional ownership (19/100). By contrast, institutional ownership (19/100) and mortgage stress (10/100) register low.

The market reads peak — home values rose 1.2% year on year, and 1% higher over three years (phase confidence 23/100). Topping markets hide individual distress behind strong averages.

67% of housing is owner-occupied. About 2,102 people live here, median age 54. The poverty rate is 4.7% — low. Around 31% of renters are cost-burdened. At $93,365, median income runs above typical U.S. levels. Around 39% of adults hold a bachelor's degree or higher. The demographic-stress sub-score lands at 40/100. The vacancy rate is 34.8% — elevated. The ZIP holds roughly 1,368 housing units. The typical home is worth about $707,200 (7.1× income, severely stretched).

Net-net, 95445 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.