ZIP 95222 Foreclosure, Tax-Lien & Distress Report

In Calaveras County, California, ZIP 95222 scores 30 of 100 for composite distress, a moderate level on DLRadar's public-record index. Latent structural risk is 66/100 while live distress already moving reads 6/100. Climate and flood risk are elevated too — climate & FEMA risk (86/100), FEMA disaster exposure (71/100). What sets it apart are the readings on construction/permit lag (83/100), structural risk (66/100), institutional ownership (44/100). mortgage stress (21/100) stay muted.

The contraction-phase market in 95222 posted values that held roughly flat over the year, and 1% lower over three years (phase confidence 17/100). Softening prices widen the spread between distressed and market value — what acquisition buyers watch for.

Population is roughly 5,666 with a median age of 53. A median home runs $515,100 here, or 6.8 times local income. There are about 2,778 housing units across 95222. The tenure split is 87% owner-occupied to 13% rented. 15.0% of residents fall below the poverty threshold. The vacancy rate is 24.3% — elevated. Around 66% of renters are cost-burdened. The demographic-stress sub-score lands at 46/100. Median household income is $71,344, near the U.S. median near $78,000. Educational attainment sits at 23% bachelor's-or-above.

Taken together, 95222 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. No parcel file is published for 95222 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

The 95222 read uses the identical public-record model applied coast to coast, which means its 30/100 score means exactly what it means anywhere else, and 95222 stays directly comparable to neighboring ZIPs and the rest of Calaveras County, California. Where the public record is thin for 95222, the field stays empty rather than modeled, and fills in as new documents post.

Each component behind 95222 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 30/100 roll-up. The point of the 95222 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.