ZIP 95204 Foreclosure, Tax-Lien & Distress Report
San Joaquin County, California · Cooling Market market
DLRadar grades ZIP 95204 (San Joaquin County, California) at a low 26/100 for overall property distress. Climate and flood risk are elevated too — climate & FEMA risk (99/100), flood (NFIP) exposure (60/100). The pressure is most legible in construction/permit lag (69/100), structural risk (59/100), institutional ownership (14/100). institutional ownership (14/100) and mortgage stress (4/100) stay muted. Structurally it carries 59/100, 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 26/100 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.
What is driving ZIP 95204’s distress
Tax delinquency, institutional ownership, insurance pressure, NFIP/flood, construction lag, price dislocation and auction velocity — plus the 0 individual distressed properties carry owner, address, APN, a parcel-level score and an exit read in the full DLRadar file.
95204 at a glance
The live 95204 panel — distress score, market phase, housing and bank pressure — as attached to every individual property.
San Joaquin County ZIPs near 95204
Nearest ZIP codes to 95204
By straight-line distance between ZIP centers — the surrounding market, whichever county or state line it crosses.
More distress data near 95204
Further distress data across San Joaquin County, California at ZIP, county and state level.
Unlock the full ZIP 95204 acquisition report
Pull every distressed parcel in 95204 — owner, address, APN, distress score, lender exposure and exit read — with owner and lender records one click away. Nationwide coverage, continuously updated.
No modelling: every input is a public record · methodology