ZIP 95236 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 95236 (San Joaquin County, California) at a low 24/100 for overall property distress. It additionally carries heavy environmental risk: climate & FEMA risk (98/100). Latent structural risk is 53/100 while live distress already moving reads 1/100. What sets it apart are the readings on 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 contraction-phase market in 95236 posted values that fell 2.5% over the year, 2.6% off the recent peak, and 14% higher over three years, at 35/100 phase confidence. Falling values surface more motivated sellers and below-market exits.

Households earn a median $96,339 — above the roughly $78,000 national figure. Rent burden reaches 16% of tenant households. Population is roughly 4,506 with a median age of 40. Educational attainment sits at 27% bachelor's-or-above. The poverty rate is 10.5%. On demographic stress specifically, 95236 scores 37/100. A median home runs $650,500 here, or 6.7 times local income. The ZIP holds roughly 1,881 housing units. Vacancy runs 8.7%. 64% of housing is owner-occupied.

Taken together, 95236 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. 95236 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

No ZIP is too small to score: 95236 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 24/100 composite is a like-for-like number rather than an isolated estimate. The score is rebuilt from public data as it updates, so 95236 reflects the current record instead of a stale or modeled snapshot.

The 24/100 figure for 95236 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. For an operator, 95236 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.