ZIP 95555 Foreclosure, Tax-Lien & Distress Report

In Humboldt County, California, ZIP 95555 scores 27 of 100 for composite distress, a low level on DLRadar's public-record index. The pressure is most legible 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). Environmental exposure also runs high (climate & FEMA risk (96/100), flood (NFIP) exposure (87/100)). Latent structural risk is 61/100 while live distress already moving reads 3/100.

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

The poverty rate is 21.1% — high, a tax-stress and distress correlate. Rent burden reaches 26% of tenant households. The tenure split is 53% owner-occupied to 47% rented. A median home runs $433,300 here, or 9.3 times local income. DLRadar's demographic-stress index for the area reads 54/100. 349 residents call 95555 home, typically aged 48. Around 16% of adults hold a bachelor's degree or higher. Vacancy runs 42.0%, above the national norm and a classic distress-and-opportunity signal. Median household income is $43,250, below the U.S. median near $78,000. There are about 208 housing units across 95555.

Taken together, 95555 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. 95555 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

No ZIP is too small to score: 95555 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 27/100 composite is a like-for-like number rather than an isolated estimate. Sparse data for 95555 shows as blanks, never estimates, and the score updates on every fresh public filing.

The 27/100 figure for 95555 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. Practically, 95555 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.