ZIP 95203 Foreclosure, Tax-Lien & Distress Report

ZIP code 95203 in San Joaquin County, California carries a composite property-distress score of 26/100 — a low reading on DLRadar's deterministic distress index. Environmental exposure also runs high (climate & FEMA risk (99/100), flood (NFIP) exposure (60/100)). The latent-versus-live split is 59/100 structural and 1/100 already moving. The pressure is most legible in construction/permit lag (69/100), structural risk (59/100), institutional ownership (14/100). On the quiet end sit institutional ownership (14/100) and mortgage stress (4/100).

The market reads contraction — home values fell 2.5% year on year, 2.7% off the recent peak, and 7% higher over three years (phase confidence 36/100). A cooling market tends to open discount-to-value windows.

The ZIP holds roughly 5,754 housing units. About 17% have a four-year degree. Rent burden reaches 47% of tenant households. The typical home is worth about $370,000 (5.4× income). Roughly 23.2% live below the poverty line, elevated and often tied to deferred-maintenance inventory. Owners hold 41% of homes, renters 59%. DLRadar's demographic-stress index for the area reads 44/100. The vacancy rate is 7.9%. Households earn a median $64,710 — below the roughly $78,000 national figure. 16,628 residents call 95203 home, typically aged 33.

Net-net, 95203 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. 95203 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

No ZIP is too small to score: 95203 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 26/100 composite is a like-for-like number rather than an isolated estimate. Nothing here is interpolated — where a source is thin for 95203, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

Behind 95203'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. For an operator, 95203 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.