ZIP 95212 Foreclosure, Tax-Lien & Distress Report

San Joaquin County, California's ZIP 95212 registers 26/100 composite distress, which DLRadar reads as low. Its heaviest discrete signals: construction/permit lag (69/100), structural risk (59/100), institutional ownership (14/100). institutional ownership (14/100) and mortgage stress (4/100) stay muted. It additionally carries heavy environmental risk: climate & FEMA risk (99/100), flood (NFIP) exposure (60/100). The latent-versus-live split is 59/100 structural and 1/100 already moving.

Prices here sit in a contraction phase: values fell 2.5% over the trailing year, 2.7% off the recent peak, and 1% higher over three years (phase confidence 36/100). Softening prices widen the spread between distressed and market value — what acquisition buyers watch for.

Educational attainment sits at 31% bachelor's-or-above. The poverty rate is 7.0% — low. Households earn a median $104,078 — above the roughly $78,000 national figure. The vacancy rate is 3.7%. Rent burden reaches 35% of tenant households. The ZIP holds roughly 8,357 housing units. Population is roughly 28,013 with a median age of 38. On demographic stress specifically, 95212 scores 33/100. A median home runs $538,500 here, or 4.8 times local income. The tenure split is 74% owner-occupied to 26% rented.

Net-net, 95212 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. There is no property file for 95212 at the moment; the composite and its components are still built from verifiable records.

The number is not local guesswork: 95212's 26/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. Every figure is auditable to a public dataset and refreshed as records update; 95212 shows blanks, not estimates, wherever the record is sparse.

95212's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. Treat 95212 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.