ZIP 95547 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 95547 (Humboldt County, California) at a low 27/100 for overall property distress. Climate and flood risk are elevated too — climate & FEMA risk (96/100), flood (NFIP) exposure (87/100). What sets it apart are the readings on construction/permit lag (61/100), structural risk (61/100), institutional ownership (21/100). On the quiet end sit institutional ownership (21/100) and mortgage stress (10/100). On the structural side it scores 61/100, with 3/100 of stress already active.

Prices here sit in a peak phase: values held roughly flat over the trailing year, and 10% lower over three years, at 12/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Owners hold 89% of homes, renters 11%. The vacancy rate is 11.4% — elevated. The typical home is worth about $481,100 (5.7× income). Median household income is $85,179, near the U.S. median near $78,000. 1,144 residents call 95547 home, typically aged 52. Around 22% of adults hold a bachelor's degree or higher. The ZIP holds roughly 558 housing units. Rent burden reaches 0% of tenant households. On demographic stress specifically, 95547 scores 31/100. The poverty rate is 17.4% — high, a tax-stress and distress correlate.

Overall, 95547 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. Parcel-level detail for 95547 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

Big metro or rural, 95547 runs through one identical public-record model, so its 27/100 sits on the same scale as every other ZIP in Humboldt County, California and the nation. 95547 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

Each component behind 95547 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 27/100 roll-up. The point of the 95547 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.