ZIP 95549 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 95549 (Humboldt County, California) returns a low composite of 27/100. On the structural side it scores 61/100, with 3/100 of stress already active. The sharpest non-environmental signals are construction/permit lag (61/100), structural risk (61/100), institutional ownership (21/100). institutional ownership (21/100) and mortgage stress (10/100) stay muted. It additionally carries heavy environmental risk: climate & FEMA risk (96/100), flood (NFIP) exposure (87/100).

Prices here sit in a peak phase: values held roughly flat over the trailing year, and 22% higher over three years (phase confidence 12/100). Topping markets hide individual distress behind strong averages.

Home values center near $651,600, an affordability ratio of 7.4× — stretched. Around 56% of renters are cost-burdened. Owners hold 76% of homes, renters 24%. On demographic stress specifically, 95549 scores 45/100. Population is roughly 1,090 with a median age of 35. The vacancy rate is 7.4%. At $89,583, median income runs above typical U.S. levels. About 40% have a four-year degree. The ZIP holds roughly 358 housing units. Roughly 19.6% live below the poverty line, elevated and often tied to deferred-maintenance inventory.

Net-net, 95549 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. No parcel file is published for 95549 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

The 95549 read uses the identical public-record model applied coast to coast, which means its 27/100 score means exactly what it means anywhere else, and 95549 stays directly comparable to neighboring ZIPs and the rest of Humboldt County, California. Nothing here is interpolated — where a source is thin for 95549, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

The 27/100 for 95549 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. The point of the 95549 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.