ZIP 95545 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 95545 (Humboldt County, California) lands at 27/100 — low on DLRadar's public-record scoring. It additionally carries heavy environmental risk: climate & FEMA risk (96/100), flood (NFIP) exposure (87/100). The sharpest non-environmental signals are construction/permit lag (61/100), structural risk (61/100), institutional ownership (21/100). institutional ownership (21/100) stay muted. Structural exposure scores 61 and live distress 0 on the 0–100 scale.

Prices here sit in a peak phase: values held roughly flat over the trailing year (phase confidence 12/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

34.9% of residents fall below the poverty threshold. 81% of housing is owner-occupied. A median home runs $576,900 here. 335 residents call 95545 home, typically aged 42. About 14% have a four-year degree. The ZIP holds roughly 99 housing units. On demographic stress specifically, 95545 scores 48/100. Rent burden reaches 67% of tenant households. Vacancy runs 32.4%, above the national norm and a classic distress-and-opportunity signal.

On the whole, 95545 leans distressed, with opportunity clustered in specific stressed parcels. No parcel file is published for 95545 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

Whether 95545 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 95545 can be compared directly against any other ZIP in Humboldt County, California or nationwide. Every figure is auditable to a public dataset and refreshed on ingest; 95545 shows blanks, not estimates, wherever the record is sparse.

The 27/100 figure for 95545 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. In workflow terms, 95545 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.