ZIP 95227 Foreclosure, Tax-Lien & Distress Report

Scored on a fixed 0-100 scale, 95227 (San Joaquin County, California) returns a low composite of 26/100. What sets it apart are the readings on construction/permit lag (69/100), structural risk (59/100), institutional ownership (14/100). On the quiet end sit institutional ownership (14/100) and mortgage stress (4/100). Structural risk reads 59/100 against active distress of 1/100. Climate and flood risk are elevated too — climate & FEMA risk (99/100), flood (NFIP) exposure (60/100).

Prices here sit in a contraction phase: values fell 2.5% over the trailing year, 2.7% off the recent peak, and 2% lower over three years (phase confidence 36/100). Falling values surface more motivated sellers and below-market exits.

Home values center near $673,800, an affordability ratio of 4.9×. 2.9% of residents fall below the poverty threshold. At $150,143, median income runs above typical U.S. levels. The tenure split is 96% owner-occupied to 4% rented. The vacancy rate is 8.8%. About 22% have a four-year degree. There are about 340 housing units across 95227. DLRadar's demographic-stress index for the area reads 40/100. Around 100% of renters are cost-burdened. About 1,036 people live here, median age 54.

Taken together, 95227 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. No parcel file is published for 95227 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

No ZIP is too small to score: 95227 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 26/100 composite is a like-for-like number rather than an isolated estimate. Where the record is thin for 95227, the field stays empty rather than modeled, and fills in as new documents post.

95227's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. For a buyer, 95227 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.