ZIP 95525 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 95525 (Humboldt County, California) returns a low composite of 27/100. Structurally it carries 61/100, against 3/100 of stress already in motion. The most distinctive pressure shows up in construction/permit lag (61/100), structural risk (61/100), institutional ownership (21/100). institutional ownership (21/100) and mortgage stress (10/100) stay muted. Climate and flood risk are elevated too — climate & FEMA risk (96/100), flood (NFIP) exposure (87/100).

The peak-phase market in 95525 posted values that held roughly flat over the year, and 6% higher over three years (phase confidence 12/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

1,443 residents call 95525 home, typically aged 57. The typical home is worth about $478,600 (7.5× income, severely stretched). There are about 895 housing units across 95525. At $65,250, median income runs below typical U.S. levels. Vacancy runs 14.8%, above the national norm and a classic distress-and-opportunity signal. DLRadar's demographic-stress index for the area reads 46/100. Roughly 21.9% live below the poverty line, elevated and often tied to deferred-maintenance inventory. Rent burden reaches 46% of tenant households. 54% of housing is owner-occupied. About 37% have a four-year degree.

Net-net, 95525 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

The 95525 read uses the identical public-record model applied coast to coast, which means its 27/100 score means exactly what it means anywhere else, and 95525 stays directly comparable to neighboring ZIPs and the rest of Humboldt County, California. The score is rebuilt from public data as it updates, so 95525 reflects the current record instead of a stale or modeled snapshot.

The 27/100 figure for 95525 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, 95525 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.