ZIP 95236 Foreclosure, Tax-Lien & Distress Report
San Joaquin County, California · Cooling Market market
DLRadar grades ZIP 95236 (San Joaquin County, California) at a low 26/100 for overall property distress. It additionally carries heavy environmental risk: climate & FEMA risk (98/100). Latent structural risk is 58/100 while live distress already moving reads 1/100. What sets it apart are the readings on construction/permit lag (69/100), structural risk (58/100), institutional ownership (14/100). By contrast, institutional ownership (14/100) 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 26/100 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 26/100 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.
What is driving ZIP 95236’s distress
Tax arrears, institutional buyers, insurance load, flood exposure, stalled construction, dislocated pricing and auction velocity — together with the 0 individual distressed properties (owner, address, APN, per-property score and exit read) are in the full DLRadar report.
The 95236 distress snapshot
The live 95236 panel — distress score, market phase, housing and bank pressure — as attached to every individual property.
Adjacent San Joaquin County ZIP reports
Nearest ZIP codes to 95236
By straight-line distance between ZIP centers — the surrounding market, whichever county or state line it crosses.
Related reports across San Joaquin County, California
Further distress data across San Joaquin County, California at ZIP, county and state level.
Unlock the full ZIP 95236 acquisition report
The full 95236 file lists each distressed parcel with owner, address, APN, per-property score, bank exposure and exit-velocity read, and carries it straight through to owner and lender records. Refreshed continuously.
Deterministic scoring, sourced entirely from public data · methodology