ZIP 95454 Foreclosure, Tax-Lien & Distress Report

ZIP code 95454 in Mendocino County, California carries a composite property-distress score of 30/100 — a moderate reading on DLRadar's deterministic distress index. The sharpest non-environmental signals are construction/permit lag (100/100), structural risk (69/100), institutional ownership (18/100). On the quiet end sit institutional ownership (18/100) and mortgage stress (10/100). Environmental exposure also runs high (climate & FEMA risk (93/100), flood (NFIP) exposure (80/100)). Latent structural risk is 69/100 while live distress already moving reads 3/100.

The market reads peak — home values held roughly flat year on year (phase confidence 12/100). Topping markets hide individual distress behind strong averages.

DLRadar's demographic-stress index for the area reads 54/100. The poverty rate is 29.8% — high, a tax-stress and distress correlate. Median household income is $40,053, below the U.S. median near $78,000. Rent burden reaches 27% of tenant households. Educational attainment sits at 6% bachelor's-or-above. There are about 1,057 housing units across 95454. A median home runs $393,700 here, or 9.6 times local income. 77% of housing is owner-occupied. 1,676 residents call 95454 home, typically aged 55. Vacancy runs 29.9%, above the national norm and a classic distress-and-opportunity signal.

Taken together, 95454 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Parcel-level detail for 95454 is not published yet -- the ZIP-level readings above remain fully sourced.

Big metro or rural, 95454 runs through one identical scoring model, so its 30/100 sits on the same scale as every other ZIP in Mendocino County, California and the nation. Where the record is thin for 95454, the field stays empty rather than modeled, and fills in as new documents post.

Behind 95454's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. Practically, 95454 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.