ZIP 95220 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 95220 (San Joaquin County, California) lands at 26/100 — low on DLRadar's distress scoring. Structural exposure scores 59 and live distress 1 on the 0–100 scale. Environmental exposure also runs high (climate & FEMA risk (99/100), flood (NFIP) exposure (60/100)). The most distinctive pressure shows up in construction/permit lag (69/100), structural risk (59/100), institutional ownership (14/100). institutional ownership (14/100) and mortgage stress (4/100) stay muted.

The market reads contraction — home values fell 2.5% year on year, 2.7% off the recent peak, and 10% higher over three years (phase confidence 36/100). A cooling market tends to open discount-to-value windows.

Home values center near $706,600, an affordability ratio of 6.2×. The tenure split is 72% owner-occupied to 28% rented. Vacancy runs 8.0%. Households earn a median $116,324 — above the roughly $78,000 national figure. About 25% have a four-year degree. DLRadar's demographic-stress index for the area reads 40/100. Population is roughly 7,958 with a median age of 42. There are about 2,840 housing units across 95220. Rent burden reaches 54% of tenant households. Roughly 4.9% live below the poverty line, a low share typical of higher-equity areas.

Taken together, 95220 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. No parcel file is published for 95220 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

The number is not local guesswork: 95220's 26/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. 95220 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

The 26/100 for 95220 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. In workflow terms, 95220 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.