ZIP 95232 Foreclosure, Tax-Lien & Distress Report

Calaveras County, California's ZIP 95232 registers 31/100 composite distress, which DLRadar reads as moderate. It additionally carries heavy environmental risk: climate & FEMA risk (86/100), FEMA disaster exposure (64/100). On the structural side it scores 67/100, with 6/100 of stress already active. The most distinctive pressure shows up in construction/permit lag (97/100), structural risk (67/100), institutional ownership (40/100). By contrast, mortgage stress (21/100) register low.

The market reads peak — home values rose 1.5% year on year (phase confidence 21/100). Topping markets hide individual distress behind strong averages.

Around 0% of adults hold a bachelor's degree or higher. The typical home is worth about $379,700 (5.6× income). The vacancy rate is 27.1% — elevated. The poverty rate is 0.0% — low. About 151 people live here, median age 56. The demographic-stress sub-score lands at 36/100. 100% of housing is owner-occupied. The ZIP holds roughly 71 housing units. At $68,977, median income runs near typical U.S. levels.

Net-net, 95232 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.