ZIP 95307 Foreclosure, Tax-Lien & Distress Report
Stanislaus County, California · Distress market
In Stanislaus County, California, ZIP 95307 scores 20 of 100 for composite distress, a low level on DLRadar's public-record index. It additionally carries heavy environmental risk: climate & FEMA risk (97/100), flood (NFIP) exposure (73/100). The sharpest non-environmental signals are structural risk (43/100), institutional ownership (17/100), mortgage stress (7/100). institutional ownership (17/100) and mortgage stress (7/100) stay muted. The latent-versus-live split is 43/100 structural and 2/100 already moving.
The peak-phase market in 95307 posted values that rose 2.0% over the year, and 10% higher over three years, at 13/100 phase confidence. Topping markets hide individual distress behind strong averages.
46,209 residents call 95307 home, typically aged 33. Owners hold 65% of homes, renters 35%. Households earn a median $77,101 — near the roughly $78,000 national figure. There are about 13,531 housing units across 95307. Home values center near $429,500, an affordability ratio of 5.2×. The poverty rate is 13.8%. The vacancy rate is 2.8%. Educational attainment sits at 13% bachelor's-or-above. The demographic-stress sub-score lands at 39/100. Rent burden reaches 40% of tenant households.
Net-net, 95307 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. 95307 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.
The number is not local guesswork: 95307's 20/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. Where the public record is thin for 95307, the field stays empty rather than modeled, and fills in as new documents post.
The 20/100 figure for 95307 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. Treat 95307 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.
Signal-by-signal read on 95307
Tax delinquency, institutional ownership, insurance pressure, NFIP/flood, construction lag, price dislocation and auction velocity — plus the 0 individual distressed properties — each with owner, address, APN, its own distress score and an exit read — are in the full report.
Snapshot: 95307 by the numbers
Current distress, phase, housing and lender-pressure figures for 95307, drawn from the same report attached to each property.
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Unlock parcel-level detail for ZIP 95307
The full 95307 file lists each distressed parcel with owner, address, APN, per-property score, bank exposure and exit-velocity read, and carries it straight through funding and closing. Refreshed continuously.
Deterministic scoring, sourced entirely from public data · methodology