ZIP 95521 Foreclosure, Tax-Lien & Distress Report
Humboldt County, California · High Poverty market
Scored purely from public records, 95521 (Humboldt County, California) returns a low composite of 27/100. Structural risk reads 61/100 against active distress of 3/100. The sharpest non-environmental signals are construction/permit lag (61/100), structural risk (61/100), institutional ownership (21/100). By contrast, institutional ownership (21/100) and mortgage stress (10/100) register low. Environmental exposure also runs high (climate & FEMA risk (96/100), flood (NFIP) exposure (87/100)).
The peak-phase market in 95521 posted values that held roughly flat over the year, and 3% higher over three years, at 12/100 phase confidence. Topping markets hide individual distress behind strong averages.
The vacancy rate is 9.6%. The tenure split is 37% owner-occupied to 63% rented. A median home runs $501,000 here, or 8.8 times local income. Around 54% of renters are cost-burdened. 26.7% of residents fall below the poverty threshold. There are about 10,198 housing units across 95521. Population is roughly 21,684 with a median age of 29. Households earn a median $54,324 — below the roughly $78,000 national figure. Educational attainment sits at 45% bachelor's-or-above. On demographic stress specifically, 95521 scores 53/100.
Net-net, 95521 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Parcel-level detail for 95521 is not published yet -- the ZIP-level readings above remain fully sourced to public records.
No ZIP is too small to score: 95521 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. 95521 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.
95521's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. Practically, 95521 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.
What is driving ZIP 95521’s distress
Tax arrears, institutional buyers, insurance load, flood exposure, stalled construction, dislocated pricing and auction velocity — together with the 0 individual distressed properties — each with owner, address, APN, its own distress score and an exit read — are in the full report.
95521 at a glance
A live read on 95521: distress, market phase, housing and bank pressure — identical to the report behind every parcel.
Humboldt County ZIPs near 95521
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The complete 95521 distress and acquisition report
Pull every distressed parcel in 95521 — owner, address, APN, distress score, lender exposure and exit read — with funding and closing one click away. Nationwide coverage, continuously updated.
Deterministic scoring, sourced entirely from public data · methodology