ZIP 95451 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 95451 (Lake County, California) returns a low composite of 27/100. Structural exposure scores 60 and live distress 7 on the 0–100 scale. Its heaviest discrete signals: structural risk (60/100), institutional ownership (46/100), construction/permit lag (29/100). By contrast, construction/permit lag (29/100) and mortgage stress (23/100) register low. Climate and flood risk are elevated too — climate & FEMA risk (92/100), flood (NFIP) exposure (70/100).

Prices here sit in a peak phase: values held roughly flat over the trailing year, and 4% lower over three years (phase confidence 12/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

The ZIP holds roughly 6,401 housing units. The poverty rate is 11.6%. 72% of housing is owner-occupied. At $65,417, median income runs below typical U.S. levels. The typical home is worth about $352,000 (5.2× income). On demographic stress specifically, 95451 scores 38/100. Population is roughly 12,793 with a median age of 43. Rent burden reaches 41% of tenant households. The vacancy rate is 20.9% — elevated. Educational attainment sits at 19% bachelor's-or-above.

Taken together, 95451 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. No parcel file is published for 95451 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

The 95451 read uses the identical public-record model applied coast to coast, which means its 27/100 score means exactly what it means anywhere else, and 95451 stays directly comparable to neighboring ZIPs and the rest of Lake County, California. Sparse data for 95451 shows as blanks, never estimates, and the score updates on every fresh public filing.

The 27/100 figure for 95451 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. Practically, 95451 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.