ZIP 95465 Foreclosure, Tax-Lien & Distress Report

Sonoma County, California's ZIP 95465 registers 21/100 composite distress, which DLRadar reads as low. The pressure is most legible in structural risk (47/100), institutional ownership (20/100), mortgage stress (9/100). institutional ownership (20/100) and mortgage stress (9/100) stay muted. Structurally it carries 47/100, against 3/100 of stress already in motion. Climate and flood risk are elevated too — climate & FEMA risk (99/100), flood (NFIP) exposure (88/100).

Prices here sit in a peak phase: values rose 0.9% over the trailing year, and 1% higher over three years, at 13/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Vacancy runs 48.1%, above the national norm and a classic distress-and-opportunity signal. Roughly 5.0% live below the poverty line, a low share typical of higher-equity areas. At $123,650, median income runs above typical U.S. levels. Rent burden reaches 17% of tenant households. The ZIP holds roughly 1,091 housing units. About 1,154 people live here, median age 48. Around 53% of adults hold a bachelor's degree or higher. The demographic-stress sub-score lands at 44/100. The typical home is worth about $1,079,500 (9.1× income, severely stretched). The tenure split is 64% owner-occupied to 36% rented.

Taken together, 95465 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. There is no property file for 95465 at the moment; the composite and its components are still built from verifiable records.

No ZIP is too small to score: 95465 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 21/100 composite is a like-for-like number rather than an isolated estimate. Nothing here is interpolated — where a source is thin for 95465, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

Behind 95465'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, 95465 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.