ZIP 95228 Property Distress & Foreclosure Data

Calaveras County, California's ZIP 95228 registers 31/100 composite distress, which DLRadar reads as moderate. Climate and flood risk are elevated too — climate & FEMA risk (86/100), FEMA disaster exposure (64/100). The most distinctive pressure shows up in construction/permit lag (97/100), structural risk (67/100), institutional ownership (40/100). mortgage stress (21/100) stay muted. Structural exposure scores 67 and live distress 6 on the 0–100 scale.

Prices here sit in a peak phase: values rose 1.5% over the trailing year, and 5% lower over three years, at 21/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

4,880 residents call 95228 home, typically aged 51. The tenure split is 82% owner-occupied to 18% rented. About 22% have a four-year degree. Households earn a median $107,857 — above the roughly $78,000 national figure. Vacancy runs 29.6%, above the national norm and a classic distress-and-opportunity signal. There are about 2,584 housing units across 95228. A median home runs $484,500 here, or 4.2 times local income. On demographic stress specifically, 95228 scores 33/100. Roughly 5.9% live below the poverty line, a low share typical of higher-equity areas. Rent burden reaches 40% of tenant households.

Taken together, 95228 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.