ZIP 95232 Foreclosure, Tax-Lien & Distress Report
Calaveras County, California · High Vacancy market
DLRadar grades ZIP 95232 (Calaveras County, California) at a low 28/100 for overall property distress. Climate and flood risk are elevated too — climate & FEMA risk (86/100), FEMA disaster exposure (68/100). Structural risk reads 60/100 against active distress of 6/100. The pressure is most legible in construction/permit lag (65/100), structural risk (60/100), institutional ownership (41/100). On the quiet end sit mortgage stress (21/100).
The contraction-phase market in 95232 posted values that held roughly flat over the year (phase confidence 17/100). Softening prices widen the spread between distressed and market value — what acquisition buyers watch for.
Educational attainment sits at 0% bachelor's-or-above. The typical home is worth about $379,700 (5.6× income). The vacancy rate is 27.1% — elevated. Roughly 0.0% live below the poverty line, a low share typical of higher-equity areas. 151 residents call 95232 home, typically aged 56. On demographic stress specifically, 95232 scores 46/100. Owners hold 100% of homes, renters 0%. The ZIP holds roughly 71 housing units. Households earn a median $68,977 — near the roughly $78,000 national figure.
Taken together, 95232 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. 95232 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.
The number is not local guesswork: 95232's 28/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. 95232 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.
Behind 95232'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. Treat 95232 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.
Distress signal breakdown — ZIP 95232
Delinquent tax, institutional holdings, insurance strain, flood/NFIP exposure, build-out lag, price dislocation and auction pace — along with the 0 individual distressed properties — each with owner, address, APN, its own distress score and an exit read — are in the full report.
The 95232 distress snapshot
Real-time distress, cycle phase, housing and bank-stress readings for 95232, the same set carried on every parcel.
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Related reports across Calaveras County, California
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Unlock parcel-level detail for ZIP 95232
See who owns each distressed property in 95232, where it is, its APN and score, the bank behind it and how fast it should exit — then open its owner and lender records in one click. Continuously refreshed, nationwide.
Rules-based scoring — each signal ties to a public dataset · methodology