ZIP 95221 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 95221 (Calaveras County, California) at a low 28/100 for overall property distress. The pressure is most legible in construction/permit lag (65/100), structural risk (60/100), institutional ownership (42/100). Climate and flood risk are elevated too — climate & FEMA risk (86/100), FEMA disaster exposure (68/100). Structural exposure scores 60 and live distress 0 on the 0–100 scale.

The contraction-phase market in 95221 posted values that held roughly flat over the year (phase confidence 17/100). A cooling market tends to open discount-to-value windows.

About 25% have a four-year degree. Vacancy runs 35.6%, above the national norm and a classic distress-and-opportunity signal. About 164 people live here, median age 38. Around 100% of renters are cost-burdened. Owners hold 68% of homes, renters 32%. Home values center near $395,200. DLRadar's demographic-stress index for the area reads 61/100. The ZIP holds roughly 215 housing units. 9.8% of residents fall below the poverty threshold.

On the whole, 95221 leans distressed, with opportunity clustered in specific stressed parcels. While 95221 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

The number is not local guesswork: 95221's 28/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. The score is rebuilt from public data as it updates, so 95221 reflects the current record instead of a stale or modeled snapshot.

The 28/100 figure for 95221 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. In workflow terms, 95221 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.