ZIP 95528 Foreclosure, Tax-Lien & Distress Report
Humboldt County, California · High Vacancy market
Composite property distress in 95528 (Humboldt County, California) lands at 27/100 — low on DLRadar's public-record scoring. Its standout 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. It additionally carries heavy environmental risk: climate & FEMA risk (96/100), flood (NFIP) exposure (87/100). Structural exposure scores 61 and live distress 3 on the 0–100 scale.
Prices here sit in a peak phase: values held roughly flat over the trailing year, and 21% higher over three years, at 12/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.
Households earn a median $71,250 — near the roughly $78,000 national figure. Home values center near $506,300, an affordability ratio of 7.2× — stretched. 21.2% of residents fall below the poverty threshold. DLRadar's demographic-stress index for the area reads 44/100. 1,415 residents call 95528 home, typically aged 49. The ZIP holds roughly 651 housing units. Rent burden reaches 43% of tenant households. 81% of housing is owner-occupied. About 23% have a four-year degree. The vacancy rate is 17.4% — elevated.
Net-net, 95528 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. While 95528 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.
Whether 95528 runs hot or quiet, its 27/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 95528 can be compared directly against any other ZIP in Humboldt County, California or nationwide. Sparse data for 95528 shows as blanks, never estimates, and the score updates on every fresh public filing.
The 27/100 figure for 95528 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. Practically, 95528 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.
Distress signal breakdown — ZIP 95528
Delinquent tax, institutional holdings, insurance strain, flood/NFIP exposure, build-out lag, price dislocation and auction pace — along with the 0 individual distressed properties (owner, address, APN, per-property score and exit read) are in the full DLRadar report.
Snapshot: 95528 by the numbers
The live 95528 panel — distress score, market phase, housing and bank pressure — as attached to every individual property.
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See every distressed parcel in 95528
The full 95528 file lists each distressed parcel with owner, address, APN, per-property score, bank exposure and exit-velocity read, and carries it straight through funding and closing. Refreshed continuously.
Rules-based scoring — each signal ties to a public dataset · methodology