ZIP 95219 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 95219 (San Joaquin County, California) at a low 25/100 for overall property distress. On the structural side it scores 55/100, with 1/100 of stress already active. Climate and flood risk are elevated too — climate & FEMA risk (99/100). The pressure is most legible in construction/permit lag (72/100), structural risk (55/100), institutional ownership (9/100). By contrast, institutional ownership (9/100) and mortgage stress (4/100) register low.

The market reads contraction — home values fell 1.9% year on year, 2.2% off the recent peak, and 9% higher over three years, at 30/100 phase confidence. Softening prices widen the spread between distressed and market value — what acquisition buyers watch for.

About 31,200 people live here, median age 37. DLRadar's demographic-stress index for the area reads 33/100. The ZIP holds roughly 12,023 housing units. Roughly 6.3% live below the poverty line, a low share typical of higher-equity areas. The tenure split is 59% owner-occupied to 41% rented. The vacancy rate is 4.8%. Around 34% of renters are cost-burdened. Educational attainment sits at 38% bachelor's-or-above. Home values center near $581,300, an affordability ratio of 5.1×. At $105,300, median income runs above typical U.S. levels.

On the whole, 95219 leans distressed, with opportunity clustered in specific stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

Whether 95219 runs hot or quiet, its 25/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 95219 can be compared directly against any other ZIP in San Joaquin County, California or nationwide. Nothing here is interpolated — where a source is thin for 95219, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

95219'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 95219 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.