ZIP 95536 Foreclosure, Tax-Lien & Distress Report

Humboldt County, California's ZIP 95536 registers 26/100 composite distress, which DLRadar reads as low. Structural exposure scores 59 and live distress 3 on the 0–100 scale. It additionally carries heavy environmental risk: climate & FEMA risk (96/100), flood (NFIP) exposure (89/100). Leading the profile are structural risk (59/100), construction/permit lag (51/100), institutional ownership (22/100). On the quiet end sit institutional ownership (22/100) and mortgage stress (10/100).

The peak-phase market in 95536 posted values that held roughly flat over the year, and 22% higher over three years, at 12/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

3,360 residents call 95536 home, typically aged 46. The poverty rate is 9.7%. Home values center near $566,000, an affordability ratio of 8.6× — stretched. Owners hold 63% of homes, renters 37%. The vacancy rate is 16.1% — elevated. About 24% have a four-year degree. The ZIP holds roughly 1,610 housing units. The demographic-stress sub-score lands at 50/100. Households earn a median $66,563 — below the roughly $78,000 national figure. Around 59% of renters are cost-burdened.

Net-net, 95536 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. 95536 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

Whether 95536 runs hot or quiet, its 26/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 95536 can be compared directly against any other ZIP in Humboldt County, California or nationwide. Nothing here is interpolated — where a source is thin for 95536, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

Each component behind 95536 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 26/100 roll-up. For an operator, 95536 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.