ZIP 95531 Property Distress & Foreclosure Data

In Del Norte County, California, ZIP 95531 scores 14 of 100 for composite distress, a minimal level on DLRadar's public-record index. Its standout signals are structural risk (29/100), mortgage stress (4/100), institutional ownership (3/100). mortgage stress (4/100) and institutional ownership (3/100) stay muted. Climate and flood risk are elevated too — climate & FEMA risk (94/100). The latent-versus-live split is 29/100 structural and 1/100 already moving.

Prices here sit in a peak phase: values rose 1.2% over the trailing year, and 10% higher over three years (phase confidence 23/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

The ZIP holds roughly 8,919 housing units. Roughly 11.2% live below the poverty line. On demographic stress specifically, 95531 scores 36/100. 22,491 residents call 95531 home, typically aged 39. Around 44% of renters are cost-burdened. About 23% have a four-year degree. Households earn a median $66,817 — below the roughly $78,000 national figure. The tenure split is 68% owner-occupied to 32% rented. The vacancy rate is 11.7% — elevated. A median home runs $351,400 here, or 4.8 times local income.

Overall, 95531 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.