ZIP 95249 Property Distress & Foreclosure Data

DLRadar grades ZIP 95249 (Calaveras County, California) at a moderate 31/100 for overall property distress. Property-level stress concentrates in construction/permit lag (97/100), structural risk (67/100), institutional ownership (40/100). mortgage stress (21/100) stay muted. Climate and flood risk are elevated too — climate & FEMA risk (86/100), FEMA disaster exposure (64/100). The latent-versus-live split is 67/100 structural and 6/100 already moving.

Prices here sit in a peak phase: values rose 1.5% over the trailing year, and 0% higher over three years (phase confidence 21/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Households earn a median $46,864 — below the roughly $78,000 national figure. Roughly 32.3% live below the poverty line, elevated and often tied to deferred-maintenance inventory. The tenure split is 73% owner-occupied to 27% rented. On demographic stress specifically, 95249 scores 52/100. A median home runs $429,700 here, or 8.7 times local income. About 23% have a four-year degree. Around 46% of renters are cost-burdened. 4,696 residents call 95249 home, typically aged 58. The ZIP holds roughly 2,061 housing units. The vacancy rate is 13.5% — elevated.

Taken together, 95249 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.