ZIP 95249 Foreclosure, Tax-Lien & Distress Report

Calaveras County, California's ZIP 95249 registers 30/100 composite distress, which DLRadar reads as moderate. What sets it apart are the readings on construction/permit lag (83/100), structural risk (66/100), institutional ownership (44/100). By contrast, mortgage stress (21/100) register low. It additionally carries heavy environmental risk: climate & FEMA risk (86/100), FEMA disaster exposure (71/100). The latent-versus-live split is 66/100 structural and 6/100 already moving.

The market reads contraction — home values held roughly flat year on year, and 0% higher over three years, at 17/100 phase confidence. Falling values surface more motivated sellers and below-market exits.

Households earn a median $46,864 — below the roughly $78,000 national figure. The poverty rate is 32.3% — high, a tax-stress and distress correlate. 73% of housing is owner-occupied. On demographic stress specifically, 95249 scores 52/100. Home values center near $429,700, an affordability ratio of 8.7× — stretched. Educational attainment sits at 23% bachelor's-or-above. Around 46% of renters are cost-burdened. Population is roughly 4,696 with a median age of 58. The ZIP holds roughly 2,061 housing units. The vacancy rate is 13.5% — elevated.

On the whole, 95249 leans distressed, with opportunity clustered in specific stressed parcels. While 95249 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

The 95249 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 95249 stays directly comparable to neighboring ZIPs and the rest of Calaveras County, California. 95249 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

95249's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. For an operator, 95249 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.