ZIP 95254 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 95254 (Calaveras County, California) returns a moderate composite of 30/100. The pressure is most legible in construction/permit lag (83/100), structural risk (66/100), institutional ownership (44/100). On the structural side it scores 66/100, with 0/100 of stress already active. It additionally carries heavy environmental risk: climate & FEMA risk (86/100), FEMA disaster exposure (71/100).

The market reads contraction — home values held roughly flat year on year, and 36% higher over three years, at 17/100 phase confidence. A cooling market tends to open discount-to-value windows.

At $72,188, median income runs near typical U.S. levels. 54% of housing is owner-occupied. The poverty rate is 0.0% — low. Rent burden reaches 83% of tenant households. 316 residents call 95254 home, typically aged 65. About 32% have a four-year degree. The vacancy rate is 0.0%. The demographic-stress sub-score lands at 43/100. The ZIP holds roughly 178 housing units. Home values center near $466,000, an affordability ratio of 6.3×.

Net-net, 95254 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. No parcel file is published for 95254 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

The 95254 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 95254 stays directly comparable to neighboring ZIPs and the rest of Calaveras County, California. Where the public record is thin for 95254, the field stays empty rather than modeled, and fills in as new documents post.

Behind 95254's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. For a buyer, 95254 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.