ZIP 95537 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 95537 (Humboldt County, California) lands at 27/100 — low on DLRadar's public-record scoring. 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. The split runs 61/100 structural to 3/100 active on the ground. Environmental exposure also runs high (climate & FEMA risk (96/100), flood (NFIP) exposure (87/100)).

The peak-phase market in 95537 posted values that held roughly flat over the year (phase confidence 12/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

At $76,116, median income runs near typical U.S. levels. The demographic-stress sub-score lands at 43/100. Roughly 52.5% live below the poverty line, elevated and often tied to deferred-maintenance inventory. Around 0% of renters are cost-burdened. The tenure split is 33% owner-occupied to 67% rented. The vacancy rate is 0.0%. Around 18% of adults hold a bachelor's degree or higher. Home values center near $435,500, an affordability ratio of 4.7×. The ZIP holds roughly 168 housing units. 512 residents call 95537 home, typically aged 26.

Net-net, 95537 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. While 95537 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

Whether 95537 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 95537 can be compared directly against any other ZIP in Humboldt County, California or nationwide. 95537 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

Behind 95537's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. For an operator, 95537 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.