ZIP 95228 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 95228 (Calaveras County, California) lands at 28/100 — low on DLRadar's distress scoring. Climate and flood risk are elevated too — climate & FEMA risk (86/100), FEMA disaster exposure (75/100). Leading the profile are construction/permit lag (65/100), structural risk (61/100), institutional ownership (42/100). mortgage stress (21/100) stay muted. The split runs 61/100 structural to 6/100 active on the ground.

The contraction-phase market in 95228 posted values that held roughly flat over the year, and 5% lower over three years, at 17/100 phase confidence. Softening prices widen the spread between distressed and market value — what acquisition buyers watch for.

Population is roughly 4,880 with a median age of 51. The tenure split is 82% owner-occupied to 18% rented. Around 22% of adults hold a bachelor's degree or higher. At $107,857, median income runs above typical U.S. levels. The vacancy rate is 29.6% — elevated. The ZIP holds roughly 2,584 housing units. The typical home is worth about $484,500 (4.2× income). The demographic-stress sub-score lands at 33/100. Roughly 5.9% live below the poverty line, a low share typical of higher-equity areas. Around 40% of renters are cost-burdened.

Net-net, 95228 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. No parcel file is published for 95228 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

The number is not local guesswork: 95228'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 95228 reflects the current record instead of a stale or modeled snapshot.

Each component behind 95228 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 28/100 roll-up. Treat 95228 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.