ZIP 95912 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 95912 (Colusa County, California) returns a low composite of 19/100. Structural exposure scores 42 and live distress 2 on the 0–100 scale. The pressure is most legible in structural risk (42/100), construction/permit lag (17/100), institutional ownership (16/100). institutional ownership (16/100) and mortgage stress (7/100) stay muted. Climate and flood risk are elevated too — climate & FEMA risk (81/100), flood (NFIP) exposure (68/100).

The contraction-phase market in 95912 posted values that held roughly flat over the year, and 2% higher over three years, at 17/100 phase confidence. Falling values surface more motivated sellers and below-market exits.

The ZIP holds roughly 1,679 housing units. The tenure split is 68% owner-occupied to 32% rented. At $80,893, median income runs near typical U.S. levels. On demographic stress specifically, 95912 scores 34/100. A median home runs $435,800 here, or 5.3 times local income. Rent burden reaches 19% of tenant households. Vacancy runs 5.3%. About 11% have a four-year degree. Population is roughly 5,048 with a median age of 36. 3.9% of residents fall below the poverty threshold.

Taken together, 95912 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. While 95912 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

No ZIP is too small to score: 95912 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 19/100 composite is a like-for-like number rather than an isolated estimate. The score is rebuilt from public data as it updates, so 95912 reflects the current record instead of a stale or modeled snapshot.

The 19/100 figure for 95912 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, 95912 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.