ZIP 95246 Foreclosure, Tax-Lien & Distress Report

Calaveras County, California's ZIP 95246 registers 30/100 composite distress, which DLRadar reads as moderate. The latent-versus-live split is 66/100 structural and 6/100 already moving. It additionally carries heavy environmental risk: climate & FEMA risk (86/100), FEMA disaster exposure (71/100). Its standout signals are construction/permit lag (83/100), structural risk (66/100), institutional ownership (44/100). By contrast, mortgage stress (21/100) register low.

The contraction-phase market in 95246 posted values that held roughly flat over the year, and 35% higher over three years, at 17/100 phase confidence. Softening prices widen the spread between distressed and market value — what acquisition buyers watch for.

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. The ZIP holds roughly 769 housing units. Owners hold 88% of homes, renters 12%. Around 17% of adults hold a bachelor's degree or higher. On demographic stress specifically, 95246 scores 34/100. At $95,667, median income runs above typical U.S. levels. Around 20% of renters are cost-burdened. Roughly 25.7% live below the poverty line, elevated and often tied to deferred-maintenance inventory.

On the whole, 95246 leans distressed, with opportunity clustered in specific stressed parcels. 95246 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

The 95246 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 95246 stays directly comparable to neighboring ZIPs and the rest of Calaveras County, California. Every figure is auditable to a public dataset and refreshed on ingest; 95246 shows blanks, not estimates, wherever the record is sparse.

The 30/100 figure for 95246 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. Practically, 95246 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.