ZIP 95970 Foreclosure, Tax-Lien & Distress Report

Colusa County, California's ZIP 95970 registers 22/100 composite distress, which DLRadar reads as low. On the structural side it scores 48/100, with 4/100 of stress already active. What sets it apart are the readings on structural risk (48/100), construction/permit lag (30/100), institutional ownership (26/100). By contrast, institutional ownership (26/100) and mortgage stress (12/100) register low. Climate and flood risk are elevated too — climate & FEMA risk (79/100), flood (NFIP) exposure (66/100).

The market reads contraction — home values held roughly flat year on year, at 17/100 phase confidence. A cooling market tends to open discount-to-value windows.

Population is roughly 494 with a median age of 45. Median household income is $82,692, near the U.S. median near $78,000. A median home runs $371,400 here, or 5.3 times local income. The vacancy rate is 22.9% — elevated. 16.2% of residents fall below the poverty threshold. DLRadar's demographic-stress index for the area reads 41/100. The tenure split is 62% owner-occupied to 38% rented. There are about 232 housing units across 95970. About 8% have a four-year degree. Around 37% of renters are cost-burdened.

On the whole, 95970 leans distressed, with opportunity clustered in specific stressed parcels. Parcel-level detail for 95970 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

Whether 95970 runs hot or quiet, its 22/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 95970 can be compared directly against any other ZIP in Colusa County, California or nationwide. Every figure is auditable to a public dataset and refreshed on ingest; 95970 shows blanks, not estimates, wherever the record is sparse.

95970's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. The point of the 95970 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.