ZIP 95231 Foreclosure, Tax-Lien & Distress Report
San Joaquin County, California · High Vacancy market
San Joaquin County, California's ZIP 95231 registers 24/100 composite distress, which DLRadar reads as low. Climate and flood risk are elevated too — climate & FEMA risk (99/100). The most distinctive pressure shows up in construction/permit lag (75/100), structural risk (53/100), institutional ownership (7/100). By contrast, institutional ownership (7/100) and mortgage stress (4/100) register low. The latent-versus-live split is 53/100 structural and 1/100 already moving.
The contraction-phase market in 95231 posted values that fell 2.5% over the year, 2.7% off the recent peak, and 0% higher over three years (phase confidence 36/100). Falling values surface more motivated sellers and below-market exits.
There are about 647 housing units across 95231. Vacancy runs 22.1%, above the national norm and a classic distress-and-opportunity signal. About 4,339 people live here, median age 35. Owners hold 59% of homes, renters 41%. DLRadar's demographic-stress index for the area reads 48/100. 19.5% of residents fall below the poverty threshold. Around 5% of adults hold a bachelor's degree or higher. Around 45% of renters are cost-burdened. The typical home is worth about $455,400 (6.5× income). Households earn a median $73,292 — near the roughly $78,000 national figure.
Taken together, 95231 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. 95231 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.
The 95231 read uses the identical public-record model applied coast to coast, which means its 24/100 score means exactly what it means anywhere else, and 95231 stays directly comparable to neighboring ZIPs and the rest of San Joaquin County, California. Nothing here is interpolated — where a source is thin for 95231, DLRadar leaves it blank rather than guessing, and re-scores as new records post.
Behind 95231's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. In workflow terms, 95231 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.
Distress signal breakdown — ZIP 95231
Delinquency on tax, investor concentration, insurance pressure, NFIP flood, lagging construction, price dislocation and sale velocity — and the 0 individual distressed properties come with owner, address, APN, an individual score and an exit read in the complete report.
The 95231 distress snapshot
Current distress, phase, housing and lender-pressure figures for 95231, drawn from the same report attached to each property.
Neighbouring ZIPs in San Joaquin County
Related reports across San Joaquin County, California
Other reports tied to San Joaquin County, California — ZIP, county and statewide.
Unlock parcel-level detail for ZIP 95231
The full 95231 file lists each distressed parcel with owner, address, APN, per-property score, bank exposure and exit-velocity read, and carries it straight through funding and closing. Refreshed continuously.
Rules-based scoring — each signal ties to a public dataset · methodology