ZIP 95589 Foreclosure, Tax-Lien & Distress Report

ZIP code 95589 in Humboldt County, California carries a composite property-distress score of 26/100 — a low reading on DLRadar's deterministic distress index. On the structural side it scores 59/100, with 3/100 of stress already active. Environmental exposure also runs high (climate & FEMA risk (95/100), flood (NFIP) exposure (87/100)). Property-level stress concentrates in structural risk (59/100), construction/permit lag (51/100), institutional ownership (21/100). institutional ownership (21/100) and mortgage stress (10/100) stay muted.

The peak-phase market in 95589 posted values that held roughly flat over the year, and 13% lower over three years, at 12/100 phase confidence. Topping markets hide individual distress behind strong averages.

Vacancy runs 44.3%, above the national norm and a classic distress-and-opportunity signal. On demographic stress specifically, 95589 scores 58/100. 1,467 residents call 95589 home, typically aged 49. There are about 1,104 housing units across 95589. Educational attainment sits at 13% bachelor's-or-above. Rent burden reaches 50% of tenant households. A median home runs $450,000 here, or 9.7 times local income. Roughly 27.0% live below the poverty line, elevated and often tied to deferred-maintenance inventory. 79% of housing is owner-occupied. Median household income is $45,074, below the U.S. median near $78,000.

On the whole, 95589 leans distressed, with opportunity clustered in specific stressed parcels. No parcel file is published for 95589 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

No ZIP is too small to score: 95589 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 26/100 composite is a like-for-like number rather than an isolated estimate. 95589 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

The 26/100 for 95589 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. In workflow terms, 95589 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.