ZIP 95519 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 95519 (Humboldt County, California) lands at 27/100 — low on DLRadar's public-record scoring. It additionally carries heavy environmental risk: climate & FEMA risk (96/100), flood (NFIP) exposure (87/100). Structural risk reads 61/100 against active distress of 3/100. What sets it apart are the readings on construction/permit lag (61/100), structural risk (61/100), institutional ownership (21/100). On the quiet end sit institutional ownership (21/100) and mortgage stress (10/100).

The peak-phase market in 95519 posted values that held roughly flat over the year, and 7% higher over three years (phase confidence 12/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

14.0% of residents fall below the poverty threshold. Rent burden reaches 54% of tenant households. Educational attainment sits at 38% bachelor's-or-above. The tenure split is 61% owner-occupied to 39% rented. The demographic-stress sub-score lands at 42/100. Population is roughly 18,792 with a median age of 40. Median household income is $66,687, below the U.S. median near $78,000. There are about 8,152 housing units across 95519. The vacancy rate is 8.4%. A median home runs $469,400 here, or 6.5 times local income.

Net-net, 95519 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. There is no property file for 95519 at the moment; the composite and its components are still built from verifiable public records.

No ZIP is too small to score: 95519 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 27/100 composite is a like-for-like number rather than an isolated estimate. Where the public record is thin for 95519, the field stays empty rather than modeled, and fills in as new documents post.

The 27/100 for 95519 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. Treat 95519 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.