ZIP 95237 Foreclosure, Tax-Lien & Distress Report

San Joaquin County, California's ZIP 95237 registers 24/100 composite distress, which DLRadar reads as low. On the structural side it scores 53/100, with 1/100 of stress already active. The pressure is most legible in construction/permit lag (75/100), structural risk (53/100), institutional ownership (7/100). On the quiet end sit institutional ownership (7/100) and mortgage stress (4/100). Environmental exposure also runs high (climate & FEMA risk (99/100)).

The market reads contraction — home values fell 2.5% year on year, 2.7% off the recent peak, and 11% higher over three years (phase confidence 36/100). Softening prices widen the spread between distressed and market value — what acquisition buyers watch for.

3,753 residents call 95237 home, typically aged 41. A median home runs $490,500 here, or 4.9 times local income. The ZIP holds roughly 1,529 housing units. Rent burden reaches 16% of tenant households. At $86,836, median income runs near typical U.S. levels. About 26% have a four-year degree. Vacancy runs 0.0%. Roughly 7.3% live below the poverty line, a low share typical of higher-equity areas. Owners hold 80% of homes, renters 20%. DLRadar's demographic-stress index for the area reads 29/100.

Net-net, 95237 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. No parcel file is published for 95237 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

No ZIP is too small to score: 95237 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. Nothing here is interpolated — where a source is thin for 95237, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

95237's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. Practically, 95237 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.