ZIP 95550 Foreclosure, Tax-Lien & Distress Report

On DLRadar's 0-100 public-record scale, ZIP 95550 in Humboldt County, California comes in at 27, a low composite-distress reading. Climate and flood risk are elevated too — climate & FEMA risk (96/100), flood (NFIP) exposure (87/100). The most distinctive pressure shows up in 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). The split runs 61/100 structural to 3/100 active on the ground.

The peak-phase market in 95550 posted values that held roughly flat over the year, at 12/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Population is roughly 206 with a median age of 29. There are about 115 housing units across 95550. Roughly 4.4% live below the poverty line, a low share typical of higher-equity areas. Median household income is $101,167, above the U.S. median near $78,000. Owners hold 29% of homes, renters 71%. About 42% have a four-year degree. The vacancy rate is 21.7% — elevated. Rent burden reaches 13% of tenant households. Home values center near $2,000,000, an affordability ratio of 8.5× — stretched. On demographic stress specifically, 95550 scores 44/100.

On the whole, 95550 leans distressed, with opportunity clustered in specific stressed parcels. 95550 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

The 95550 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 95550 stays directly comparable to neighboring ZIPs and the rest of Humboldt County, California. Sparse data for 95550 shows as blanks, never estimates, and the score updates on every fresh public filing.

95550's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. The point of the 95550 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.