ZIP 95210 Foreclosure, Tax-Lien & Distress Report

ZIP code 95210 in San Joaquin County, California carries a composite property-distress score of 26/100 — a low reading on DLRadar's deterministic distress index. 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. What sets it apart are the readings on 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.

Prices here sit in a contraction phase: values fell 2.5% over the trailing year, 2.7% off the recent peak, and 5% higher over three years (phase confidence 36/100). Falling values surface more motivated sellers and below-market exits.

The ZIP holds roughly 12,509 housing units. The poverty rate is 18.2% — high, a tax-stress and distress correlate. Rent burden reaches 48% of tenant households. DLRadar's demographic-stress index for the area reads 42/100. Around 11% of adults hold a bachelor's degree or higher. Population is roughly 42,103 with a median age of 32. Vacancy runs 3.9%. A median home runs $362,300 here, or 5.2 times local income. At $65,411, median income runs below typical U.S. levels. 52% of housing is owner-occupied.

Taken together, 95210 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

The 95210 read uses the identical scoring model applied coast to coast, which means its 26/100 score means exactly what it means anywhere else, and 95210 stays directly comparable to neighboring ZIPs and the rest of San Joaquin County, California. Sparse data for 95210 shows as blanks, never estimates, and the score updates on every fresh public filing.

The 26/100 figure for 95210 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. For a buyer, 95210 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.