ZIP 95469 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 95469 (Mendocino County, California) returns a low composite of 26/100. It additionally carries heavy environmental risk: climate & FEMA risk (93/100), flood (NFIP) exposure (77/100). The latent-versus-live split is 58/100 structural and 4/100 already moving. The most distinctive pressure shows up in structural risk (58/100), construction/permit lag (41/100), institutional ownership (29/100). On the quiet end sit institutional ownership (29/100) and mortgage stress (14/100).

The market reads peak — home values held roughly flat year on year, and 4% lower over three years (phase confidence 12/100). Topping markets hide individual distress behind strong averages.

Rent burden reaches 53% of tenant households. The demographic-stress sub-score lands at 49/100. Households earn a median $66,402 — below the roughly $78,000 national figure. The vacancy rate is 30.3% — elevated. The typical home is worth about $529,200 (8.9× income, severely stretched). The tenure split is 67% owner-occupied to 33% rented. About 35% have a four-year degree. 1,503 residents call 95469 home, typically aged 50. Roughly 5.4% live below the poverty line, a low share typical of higher-equity areas. The ZIP holds roughly 871 housing units.

Net-net, 95469 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. There is no property file for 95469 at the moment; the composite and its components are still built from verifiable public records.

Big metro or rural, 95469 runs through one identical public-record model, so its 26/100 sits on the same scale as every other ZIP in Mendocino County, California and the nation. Nothing here is interpolated — where a source is thin for 95469, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

The 26/100 figure for 95469 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, 95469 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.