ZIP 95247 Property Distress & Foreclosure Data

ZIP code 95247 in Calaveras County, California carries a composite property-distress score of 31/100 — a moderate reading on DLRadar's deterministic public-record index. What sets it apart are the readings on construction/permit lag (97/100), structural risk (67/100), institutional ownership (40/100). By contrast, mortgage stress (21/100) register low. It additionally carries heavy environmental risk: climate & FEMA risk (86/100), FEMA disaster exposure (64/100). On the structural side it scores 67/100, with 6/100 of stress already active.

The market reads peak — home values rose 1.5% year on year, and 0% higher over three years (phase confidence 21/100). Topping markets hide individual distress behind strong averages.

The ZIP holds roughly 2,622 housing units. Around 38% of adults hold a bachelor's degree or higher. At $71,983, median income runs near typical U.S. levels. Around 50% of renters are cost-burdened. The demographic-stress sub-score lands at 43/100. 77% of housing is owner-occupied. About 3,682 people live here, median age 56. The vacancy rate is 32.7% — elevated. The poverty rate is 10.5%. The typical home is worth about $537,400 (7.1× income, severely stretched).

Net-net, 95247 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.