ZIP 95490 Property Distress & Foreclosure Data

ZIP code 95490 in Mendocino County, California carries a composite property-distress score of 24/100 — a low reading on DLRadar's deterministic public-record index. What sets it apart are the readings on structural risk (53/100), construction/permit lag (38/100), institutional ownership (19/100). By contrast, institutional ownership (19/100) and mortgage stress (10/100) register low. It additionally carries heavy environmental risk: climate & FEMA risk (93/100), flood (NFIP) exposure (82/100). The latent-versus-live split is 53/100 structural and 3/100 already moving.

The market reads peak — home values rose 1.2% year on year, and 0% higher over three years (phase confidence 23/100). Topping markets hide individual distress behind strong averages.

The typical home is worth about $392,700 (5.7× income). The demographic-stress sub-score lands at 39/100. At $67,069, median income runs below typical U.S. levels. Around 43% of renters are cost-burdened. The poverty rate is 9.4%. About 14,627 people live here, median age 43. Around 23% of adults hold a bachelor's degree or higher. The ZIP holds roughly 6,324 housing units. 63% of housing is owner-occupied. The vacancy rate is 8.2%.

Net-net, 95490 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.