ZIP 95501 Foreclosure, Tax-Lien & Distress Report
Humboldt County, California · High Poverty market
On DLRadar's 0-100 public-record scale, ZIP 95501 in Humboldt County, California comes in at 27, a low composite-distress reading. Latent structural risk is 61/100 while live distress already moving reads 3/100. Environmental exposure also runs high (climate & FEMA risk (96/100), flood (NFIP) exposure (87/100)). The sharpest non-environmental signals are construction/permit lag (61/100), structural risk (61/100), institutional ownership (21/100). institutional ownership (21/100) and mortgage stress (10/100) stay muted.
The market reads peak — home values held roughly flat year on year, and 1% lower over three years, at 12/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.
The ZIP holds roughly 10,545 housing units. 42% of housing is owner-occupied. Home values center near $412,300, an affordability ratio of 7.1× — stretched. The vacancy rate is 10.2%. Median household income is $55,076, below the U.S. median near $78,000. DLRadar's demographic-stress index for the area reads 47/100. Around 56% of renters are cost-burdened. Roughly 20.1% live below the poverty line, elevated and often tied to deferred-maintenance inventory. About 22,972 people live here, median age 40. Around 34% of adults hold a bachelor's degree or higher.
On the whole, 95501 leans distressed, with opportunity clustered in specific stressed parcels. No parcel file is published for 95501 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.
The number is not local guesswork: 95501's 27/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. Sparse data for 95501 shows as blanks, never estimates, and the score updates on every fresh public filing.
The 27/100 figure for 95501 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. For an operator, 95501 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.
Distress signal breakdown — ZIP 95501
Tax arrears, institutional buyers, insurance load, flood exposure, stalled construction, dislocated pricing and auction velocity — together with the 0 individual distressed properties carry owner, address, APN, a parcel-level score and an exit read in the full DLRadar file.
ZIP 95501 Stress Report snapshot
Live ZIP-level distress, market-phase, housing and bank-pressure read — the same report attached to every property.
Nearby ZIPs in Humboldt County
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Rules-based scoring — each signal ties to a public dataset · methodology