ZIP 95245 Property Distress & Foreclosure Data

Composite property distress in 95245 (Calaveras County, California) lands at 31/100 — moderate on DLRadar's public-record scoring. The sharpest non-environmental signals are construction/permit lag (97/100), structural risk (67/100), institutional ownership (40/100). On the quiet end sit mortgage stress (21/100). Environmental exposure also runs high (climate & FEMA risk (86/100), FEMA disaster exposure (64/100)). The latent-versus-live split is 67/100 structural and 6/100 already moving.

The peak-phase market in 95245 posted values that rose 1.5% over the year, and 8% higher over three years (phase confidence 21/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Median household income is $85,387, near the U.S. median near $78,000. DLRadar's demographic-stress index for the area reads 37/100. 12.0% of residents fall below the poverty threshold. Population is roughly 3,227 with a median age of 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. The ZIP holds roughly 1,328 housing units.

On balance 95245 is mixed, rewarding parcel-by-parcel screening over broad assumptions. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.