ZIP 95224 Foreclosure, Tax-Lien & Distress Report
Calaveras County, California · High Vacancy market
Calaveras County, California's ZIP 95224 registers 30/100 composite distress, which DLRadar reads as moderate. On the structural side it scores 66/100, with 6/100 of stress already active. Environmental exposure also runs high (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 market reads contraction — home values held roughly flat year on year (phase confidence 17/100). Softening prices widen the spread between distressed and market value — what acquisition buyers watch for.
265 residents call 95224 home, typically aged 36. Owners hold 92% of homes, renters 8%. Home values center near $427,400. Around 0% of renters are cost-burdened. The ZIP holds roughly 247 housing units. About 67% have a four-year degree. The poverty rate is 23.0% — high, a tax-stress and distress correlate. On demographic stress specifically, 95224 scores 19/100. Vacancy runs 44.6%, above the national norm and a classic distress-and-opportunity signal. Households earn a median $59,167 — below the roughly $78,000 national figure.
Net-net, 95224 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. While 95224 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.
Because one deterministic model scores every ZIP, 95224's 30/100 can be lined up against any neighbor in Calaveras County, California or any ZIP coast to coast. Every figure is auditable to a public dataset and refreshed on ingest; 95224 shows blanks, not estimates, wherever the record is sparse.
95224'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 95224 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.
ZIP 95224 distress signals, scored
Delinquency on tax, investor concentration, insurance pressure, NFIP flood, lagging construction, price dislocation and sale velocity — and the 0 individual distressed properties carry owner, address, APN, a parcel-level score and an exit read in the full DLRadar file.
ZIP 95224 Stress Report snapshot
Current distress, phase, housing and lender-pressure figures for 95224, drawn from the same report attached to each property.
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Open the complete 95224 acquisition file
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Deterministic. Every signal traces to a public dataset · methodology