ZIP 95464 Foreclosure, Tax-Lien & Distress Report

ZIP code 95464 in Lake County, California carries a composite property-distress score of 27/100 — a low reading on DLRadar's deterministic public-record index. The split runs 60/100 structural to 7/100 active on the ground. Climate and flood risk are elevated too — climate & FEMA risk (92/100), flood (NFIP) exposure (70/100). Its heaviest discrete signals: structural risk (60/100), institutional ownership (46/100), construction/permit lag (29/100). construction/permit lag (29/100) and mortgage stress (23/100) stay muted.

The market reads peak — home values held roughly flat year on year, and 18% higher 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 1,347 housing units. The typical home is worth about $155,100 (2.1× income, relatively affordable). At $73,157, median income runs near typical U.S. levels. Rent burden reaches 23% of tenant households. The vacancy rate is 27.5% — elevated. The poverty rate is 17.4% — high, a tax-stress and distress correlate. About 2,417 people live here, median age 43. Around 16% of adults hold a bachelor's degree or higher. 64% of housing is owner-occupied. On demographic stress specifically, 95464 scores 29/100.

Net-net, 95464 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. There is no property file for 95464 at the moment; the composite and its components are still built from verifiable public records.

The 95464 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 95464 stays directly comparable to neighboring ZIPs and the rest of Lake County, California. Where the public record is thin for 95464, the field stays empty rather than modeled, and fills in as new documents post.

95464'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. In workflow terms, 95464 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.