ZIP 93635 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 93635 (Merced County, California) lands at 25/100 — low on DLRadar's public-record scoring. Climate and flood risk are elevated too — climate & FEMA risk (96/100), flood (NFIP) exposure (69/100). The pressure is most legible in construction/permit lag (56/100), structural risk (56/100), institutional ownership (16/100). institutional ownership (16/100) and mortgage stress (7/100) stay muted. On the structural side it scores 56/100, with 2/100 of stress already active.

The market reads contraction — home values fell 1.1% year on year, 3.3% off the recent peak, and 4% higher over three years (phase confidence 17/100). Softening prices widen the spread between distressed and market value — what acquisition buyers watch for.

Population is roughly 49,232 with a median age of 31. Owners hold 58% of homes, renters 42%. The vacancy rate is 4.5%. DLRadar's demographic-stress index for the area reads 43/100. The ZIP holds roughly 15,003 housing units. At $70,666, median income runs near typical U.S. levels. The typical home is worth about $444,900 (6.0× income). About 13% have a four-year degree. Rent burden reaches 46% of tenant households. The poverty rate is 16.1%.

Taken together, 93635 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. 93635 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

The 93635 read uses the identical public-record model applied coast to coast, which means its 25/100 score means exactly what it means anywhere else, and 93635 stays directly comparable to neighboring ZIPs and the rest of Merced County, California. Every figure is auditable to a public dataset and refreshed on ingest; 93635 shows blanks, not estimates, wherever the record is sparse.

93635'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. Treat 93635 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.