ZIP 95204 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 95204 (San Joaquin County, California) at a low 24/100 for overall property distress. Climate and flood risk are elevated too — climate & FEMA risk (99/100). The pressure is most legible in construction/permit lag (75/100), structural risk (53/100), institutional ownership (7/100). institutional ownership (7/100) and mortgage stress (4/100) stay muted. Structurally it carries 53/100, against 1/100 of stress already in motion.

The market reads contraction — home values fell 2.5% year on year, 2.7% off the recent peak, and 3% higher over three years (phase confidence 36/100). A cooling market tends to open discount-to-value windows.

31,028 residents call 95204 home, typically aged 37. The vacancy rate is 8.5%. A median home runs $387,100 here, or 5.0 times local income. Around 21% of adults hold a bachelor's degree or higher. Around 49% of renters are cost-burdened. Households earn a median $71,792 — near the roughly $78,000 national figure. Owners hold 59% of homes, renters 41%. The poverty rate is 13.3%. The ZIP holds roughly 12,344 housing units. The demographic-stress sub-score lands at 39/100.

On the whole, 95204 leans distressed, with opportunity clustered in specific stressed parcels. 95204 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: 95204 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 24/100 composite is a like-for-like number rather than an isolated estimate. The score is rebuilt from public data as it updates, so 95204 reflects the current record instead of a stale or modeled snapshot.

95204's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. The point of the 95204 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.