ZIP 95251 Property Distress & Foreclosure Data

ZIP code 95251 in Calaveras County, California carries a composite property-distress score of 31/100 — a moderate reading on DLRadar's deterministic public-record index. Structural risk reads 67/100 against active distress of 6/100. Environmental exposure also runs high (climate & FEMA risk (86/100), FEMA disaster exposure (64/100)). What sets it apart are the readings on construction/permit lag (97/100), structural risk (67/100), institutional ownership (40/100). On the quiet end sit mortgage stress (21/100).

The peak-phase market in 95251 posted values that rose 1.5% over the year, at 21/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Educational attainment sits at 19% bachelor's-or-above. DLRadar's demographic-stress index for the area reads 26/100. 1.6% of residents fall below the poverty threshold. Population is roughly 684 with a median age of 56. Vacancy runs 5.3%. Home values center near $561,000, an affordability ratio of 3.9× — accessible. Median household income is $101,111, above the U.S. median near $78,000. Owners hold 88% of homes, renters 12%. There are about 425 housing units across 95251.

On balance 95251 is mixed, rewarding parcel-by-parcel screening over broad assumptions. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.