ZIP 92395 Foreclosure, Tax-Lien & Distress Report

ZIP code 92395 in San Bernardino County, California carries a composite property-distress score of 34/100 — a moderate reading on DLRadar's deterministic distress index. Structurally it carries 76/100, against 7/100 of stress already in motion. Climate and flood risk are elevated too — climate & FEMA risk (100/100), flood (NFIP) exposure (93/100), FEMA disaster exposure (68/100). Its heaviest discrete signals: structural risk (76/100), institutional ownership (57/100), construction/permit lag (55/100). On the quiet end sit mortgage stress (24/100).

The peak-phase market in 92395 posted values that held roughly flat over the year, and 12% higher over three years (phase confidence 16/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

A median home runs $375,400 here, or 5.8 times local income. Vacancy runs 5.0%. There are about 16,682 housing units across 92395. DLRadar's demographic-stress index for the area reads 45/100. About 49,323 people live here, median age 33. Median household income is $57,407, below the U.S. median near $78,000. Around 54% of renters are cost-burdened. Educational attainment sits at 15% bachelor's-or-above. 53% of housing is owner-occupied. Roughly 22.1% live below the poverty line, elevated and often tied to deferred-maintenance inventory.

Net-net, 92395 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

The 92395 read uses the identical scoring model applied coast to coast, which means its 34/100 score means exactly what it means anywhere else, and 92395 stays directly comparable to neighboring ZIPs and the rest of San Bernardino County, California. The score is rebuilt from public data as it updates, so 92395 reflects the current record instead of a stale or modeled snapshot.

Behind 92395's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. Practically, 92395 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.