ZIP 95531 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 95531 (Del Norte County, California) returns a minimal composite of 14/100. The most distinctive pressure shows up in structural risk (29/100), mortgage stress (4/100), institutional ownership (3/100). By contrast, mortgage stress (4/100) and institutional ownership (3/100) register low. Climate and flood risk are elevated too — climate & FEMA risk (94/100). Structural risk reads 29/100 against active distress of 1/100.

The peak-phase market in 95531 posted values that held roughly flat over the year, and 10% higher over three years (phase confidence 12/100). 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. DLRadar's demographic-stress index for the area reads 36/100. Population is roughly 22,491 with a median age of 39. Around 44% of renters are cost-burdened. Around 23% of adults hold a bachelor's degree or higher. Median household income is $66,817, below the U.S. median near $78,000. 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. There is no property file for 95531 at the moment; the composite and its components are still built from verifiable public records.

Because one deterministic model scores every ZIP, 95531's 14/100 can be lined up against any neighbor in Del Norte County, California or any ZIP coast to coast. The score is rebuilt from public data as it updates, so 95531 reflects the current record instead of a stale or modeled snapshot.

The 14/100 figure for 95531 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 a buyer, 95531 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.