ZIP 95209 Foreclosure, Tax-Lien & Distress Report

ZIP code 95209 in San Joaquin County, California carries a composite property-distress score of 24/100 — a low reading on DLRadar's deterministic public-record index. The most distinctive pressure shows up in construction/permit lag (75/100), structural risk (53/100), institutional ownership (7/100). By contrast, institutional ownership (7/100) and mortgage stress (4/100) register low. It additionally carries heavy environmental risk: climate & FEMA risk (99/100). The split runs 53/100 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 24/100 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 24/100 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.