ZIP 95245 Foreclosure, Tax-Lien & Distress Report
Calaveras County, California · Cooling Market market
Composite property distress in 95245 (Calaveras County, California) lands at 30/100 — moderate on DLRadar's public-record scoring. Leading the profile are construction/permit lag (83/100), structural risk (66/100), institutional ownership (44/100). On the quiet end sit mortgage stress (21/100). Climate and flood risk are elevated too — climate & FEMA risk (86/100), FEMA disaster exposure (71/100). Latent structural risk is 66/100 while live distress already moving reads 6/100.
Prices here sit in a contraction phase: values held roughly flat over the trailing year, and 8% higher over three years (phase confidence 17/100). Softening prices widen the spread between distressed and market value — what acquisition buyers watch for.
Households earn a median $85,387 — near the roughly $78,000 national figure. The demographic-stress sub-score lands at 37/100. Roughly 12.0% live below the poverty line. About 3,227 people live here, median age 55. Around 55% of renters are cost-burdened. The vacancy rate is 8.9%. Home values center near $482,000, an affordability ratio of 5.0×. Owners hold 84% of homes, renters 16%. Educational attainment sits at 15% bachelor's-or-above. There are about 1,328 housing units across 95245.
Taken together, 95245 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. 95245 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.
The 95245 read uses the identical public-record model applied coast to coast, which means its 30/100 score means exactly what it means anywhere else, and 95245 stays directly comparable to neighboring ZIPs and the rest of Calaveras County, California. The score is rebuilt from public data as it updates, so 95245 reflects the current record instead of a stale or modeled snapshot.
95245's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. For a buyer, 95245 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.
Signal-by-signal read on 95245
Delinquent tax, institutional holdings, insurance strain, flood/NFIP exposure, build-out lag, price dislocation and auction pace — along with the 0 individual distressed properties carry owner, address, APN, a parcel-level score and an exit read in the full DLRadar file.
Snapshot: 95245 by the numbers
Real-time distress, cycle phase, housing and bank-stress readings for 95245, the same set carried on every parcel.
Neighbouring ZIPs in Calaveras County
More distress data near 95245
More ZIP, county and state distress intelligence connected to Calaveras County, California.
The complete 95245 distress and acquisition report
Open 95245 parcel by parcel: owner, address, APN, individual distress score, lender exposure, exit-velocity estimate, and funding and closing in a single click. Updated continuously across the country.
Rules-based scoring — each signal ties to a public dataset · methodology