ZIP 95209 Foreclosure, Tax-Lien & Distress Report
San Joaquin County, California · Cooling Market market
ZIP code 95209 in San Joaquin County, California carries a composite property-distress score of 26/100 — a low reading on DLRadar's deterministic distress index. The most distinctive pressure shows up in construction/permit lag (69/100), structural risk (59/100), institutional ownership (14/100). By contrast, institutional ownership (14/100) and mortgage stress (4/100) register low. It additionally carries heavy environmental risk: climate & FEMA risk (99/100), flood (NFIP) exposure (60/100). The split runs 59/100 structural to 1/100 active on the ground.
The market reads contraction — home values fell 2.5% year on year, 2.7% off the recent peak, and 1% higher over three years, at 36/100 phase confidence. A cooling market tends to open discount-to-value windows.
At $106,056, median income runs above typical U.S. levels. Rent burden reaches 41% of tenant households. A median home runs $494,900 here, or 4.4 times local income. 46,567 residents call 95209 home, typically aged 37. The demographic-stress sub-score lands at 33/100. The vacancy rate is 3.3%. Educational attainment sits at 25% bachelor's-or-above. Owners hold 74% of homes, renters 26%. Roughly 7.6% live below the poverty line. The ZIP holds roughly 14,106 housing units.
Net-net, 95209 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. No parcel file is published for 95209 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.
Because one deterministic model scores every ZIP, 95209's 26/100 can be lined up against any neighbor in San Joaquin County, California or any ZIP coast to coast. 95209 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.
Each component behind 95209 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 26/100 roll-up. Practically, 95209 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.
ZIP 95209 distress signals, scored
Unpaid tax, corporate ownership share, insurance cost pressure, NFIP flood risk, construction slowdown, price gaps and auction turnover — plus the 0 individual distressed properties are broken out by owner, address, APN, per-property score and exit read inside DLRadar.
Snapshot: 95209 by the numbers
95209 live: composite distress, market phase, housing detail and lender pressure, identical to the per-property report.
Nearby ZIPs in San Joaquin County
Nearest ZIP codes to 95209
By straight-line distance between ZIP centers — the surrounding market, whichever county or state line it crosses.
Related reports across San Joaquin County, California
Further distress data across San Joaquin County, California at ZIP, county and state level.
Open the complete 95209 acquisition file
See who owns each distressed property in 95209, where it is, its APN and score, the bank behind it and how fast it should exit — then open its owner and lender records in one click. Continuously refreshed, nationwide.
Rules-based scoring — each signal ties to a public dataset · methodology