ZIP 95454 Property Distress & Foreclosure Data

ZIP code 95454 in Mendocino County, California carries a composite property-distress score of 24/100 — a low reading on DLRadar's deterministic public-record index. 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. It additionally carries heavy environmental risk: climate & FEMA risk (93/100), flood (NFIP) exposure (82/100). The latent-versus-live split is 53/100 structural and 3/100 already moving.

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

The demographic-stress sub-score lands at 54/100. The poverty rate is 29.8% — high, a tax-stress and distress correlate. At $40,053, median income runs below typical U.S. levels. Around 27% of renters are cost-burdened. Around 6% of adults hold a bachelor's degree or higher. The ZIP holds roughly 1,057 housing units. The typical home is worth about $393,700 (9.6× income, severely stretched). 77% of housing is owner-occupied. About 1,676 people live here, median age 55. The vacancy rate is 29.9% — elevated.

Net-net, 95454 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.