ZIP 95564 Foreclosure, Tax-Lien & Distress Report

ZIP code 95564 in Humboldt County, California carries a composite property-distress score of 27/100 — a low reading on DLRadar's deterministic public-record index. The pressure is most legible in 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). The latent-versus-live split is 61/100 structural and 3/100 already moving.

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

At $69,250, median income runs near typical U.S. levels. The ZIP holds roughly 219 housing units. DLRadar's demographic-stress index for the area reads 41/100. 477 residents call 95564 home, typically aged 42. Rent burden reaches 25% of tenant households. Around 17% of adults hold a bachelor's degree or higher. Roughly 8.2% live below the poverty line. 36% of housing is owner-occupied. The typical home is worth about $480,800 (6.1× income). Vacancy runs 17.6%, above the national norm and a classic distress-and-opportunity signal.

Net-net, 95564 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. While 95564 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

Big metro or rural, 95564 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. Nothing here is interpolated — where a source is thin for 95564, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

Each component behind 95564 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 27/100 roll-up. For a buyer, 95564 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.