ZIP 95476 Foreclosure, Tax-Lien & Distress Report

Sonoma County, California's ZIP 95476 registers 21/100 composite distress, which DLRadar reads as low. Environmental exposure also runs high (climate & FEMA risk (99/100), flood (NFIP) exposure (88/100)). The latent-versus-live split is 47/100 structural and 3/100 already moving. The most distinctive pressure shows up in structural risk (47/100), institutional ownership (20/100), mortgage stress (9/100). On the quiet end sit mortgage stress (9/100) and construction/permit lag (2/100).

The peak-phase market in 95476 posted values that held roughly flat over the year, and 2% higher over three years (phase confidence 20/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Educational attainment sits at 41% bachelor's-or-above. 8.1% of residents fall below the poverty threshold. DLRadar's demographic-stress index for the area reads 44/100. Around 47% of renters are cost-burdened. Median household income is $108,322, above the U.S. median near $78,000. Population is roughly 35,139 with a median age of 53. The vacancy rate is 11.7% — elevated. Owners hold 67% of homes, renters 33%. The ZIP holds roughly 17,223 housing units. Home values center near $896,900, an affordability ratio of 8.2× — stretched.

On balance 95476 is mixed, rewarding parcel-by-parcel screening over broad assumptions. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.