ZIP 92316 Foreclosure, Tax-Lien & Distress Report

ZIP code 92316 in San Bernardino County, California carries a composite property-distress score of 34/100 — a moderate reading on DLRadar's deterministic public-record index. Climate and flood risk are elevated too — climate & FEMA risk (100/100), flood (NFIP) exposure (90/100), FEMA disaster exposure (71/100). On the structural side it scores 75/100, with 7/100 of stress already active. What sets it apart are the readings on structural risk (75/100), institutional ownership (58/100), construction/permit lag (53/100). By contrast, mortgage stress (24/100) register low.

Prices here sit in a peak phase: values held roughly flat over the trailing year, and 16% higher over three years, at 16/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

A median home runs $474,100 here, or 5.5 times local income. 13.4% of residents fall below the poverty threshold. Households earn a median $82,117 — near the roughly $78,000 national figure. The ZIP holds roughly 8,605 housing units. Vacancy runs 4.0%. Educational attainment sits at 11% bachelor's-or-above. On demographic stress specifically, 92316 scores 40/100. The tenure split is 69% owner-occupied to 31% rented. Around 43% of renters are cost-burdened. Population is roughly 31,909 with a median age of 33.

Net-net, 92316 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

No ZIP is too small to score: 92316 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 34/100 composite is a like-for-like number rather than an isolated estimate. Where the public record is thin for 92316, the field stays empty rather than modeled, and fills in as new documents post.

Each component behind 92316 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 34/100 roll-up. For a buyer, 92316 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.