ZIP 95546 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 95546 (Humboldt County, California) lands at 27/100 — low on DLRadar's public-record scoring. Climate and flood risk are elevated too — climate & FEMA risk (96/100), flood (NFIP) exposure (87/100). Structural risk reads 61/100 against active distress of 3/100. The most distinctive pressure shows up in construction/permit lag (61/100), structural risk (61/100), institutional ownership (21/100). By contrast, institutional ownership (21/100) and mortgage stress (10/100) register low.

The market reads peak — home values held roughly flat year on year, at 12/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Households earn a median $52,574 — below the roughly $78,000 national figure. Roughly 29.3% live below the poverty line, elevated and often tied to deferred-maintenance inventory. On demographic stress specifically, 95546 scores 40/100. Around 16% of adults hold a bachelor's degree or higher. Around 34% of renters are cost-burdened. Home values center near $253,400, an affordability ratio of 4.8×. The vacancy rate is 24.3% — elevated. The ZIP holds roughly 1,012 housing units. 2,436 residents call 95546 home, typically aged 32. 75% of housing is owner-occupied.

On the whole, 95546 leans distressed, with opportunity clustered in specific stressed parcels. There is no property file for 95546 at the moment; the composite and its components are still built from verifiable public records.

Because one deterministic model scores every ZIP, 95546's 27/100 can be lined up against any neighbor in Humboldt County, California or any ZIP coast to coast. The score is rebuilt from public data as it updates, so 95546 reflects the current record instead of a stale or modeled snapshot.

Behind 95546'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. Treat 95546 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.