ZIP 95246 Property Distress & Foreclosure Data

Calaveras County, California's ZIP 95246 registers 31/100 composite distress, which DLRadar reads as moderate. Structural exposure scores 67 and live distress 6 on the 0–100 scale. Climate and flood risk are elevated too — climate & FEMA risk (86/100), FEMA disaster exposure (64/100). The most distinctive pressure shows up in construction/permit lag (97/100), structural risk (67/100), institutional ownership (40/100). mortgage stress (21/100) stay muted.

Prices here sit in a peak phase: values rose 1.5% over the trailing year, and 35% higher over three years, at 21/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

A median home runs $417,100 here, or 4.3 times local income. Vacancy runs 22.5%, above the national norm and a classic distress-and-opportunity signal. 1,701 residents call 95246 home, typically aged 52. There are about 769 housing units across 95246. The tenure split is 88% owner-occupied to 12% rented. About 17% have a four-year degree. On demographic stress specifically, 95246 scores 34/100. Households earn a median $95,667 — above the roughly $78,000 national figure. Rent burden reaches 20% of tenant households. Roughly 25.7% live below the poverty line, elevated and often tied to deferred-maintenance inventory.

Taken together, 95246 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.