ZIP 95224 Property Distress & Foreclosure Data

ZIP code 95224 in Calaveras County, California carries a composite property-distress score of 31/100 — a moderate reading on DLRadar's deterministic public-record index. Structural exposure scores 67 and live distress 6 on the 0–100 scale. Environmental exposure also runs high (climate & FEMA risk (86/100), FEMA disaster exposure (64/100)). What sets it apart are the readings on construction/permit lag (97/100), structural risk (67/100), institutional ownership (40/100). On the quiet end sit mortgage stress (21/100).

The peak-phase market in 95224 posted values that rose 1.5% over the year, at 21/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Population is roughly 265 with a median age of 36. Owners hold 92% of homes, renters 8%. Home values center near $427,400. Rent burden reaches 0% of tenant households. There are about 247 housing units across 95224. Educational attainment sits at 67% bachelor's-or-above. 23.0% of residents fall below the poverty threshold. DLRadar's demographic-stress index for the area reads 19/100. Vacancy runs 44.6%, above the national norm and a classic distress-and-opportunity signal. Median household income is $59,167, below the U.S. median near $78,000.

On the whole, 95224 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.