ZIP 95310 Foreclosure, Tax-Lien & Distress Report

Tuolumne County, California's ZIP 95310 registers 26/100 composite distress, which DLRadar reads as low. It additionally carries heavy environmental risk: climate & FEMA risk (85/100). The sharpest non-environmental signals are construction/permit lag (81/100), structural risk (57/100), institutional ownership (29/100). On the quiet end sit institutional ownership (29/100) and mortgage stress (7/100). Latent structural risk is 57/100 while live distress already moving reads 2/100.

Prices here sit in a peak phase: values held roughly flat over the trailing year, and 2% lower over three years, at 12/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

1,783 residents call 95310 home, typically aged 45. There are about 849 housing units across 95310. Vacancy runs 16.1%, above the national norm and a classic distress-and-opportunity signal. Rent burden reaches 76% of tenant households. DLRadar's demographic-stress index for the area reads 51/100. Roughly 17.4% live below the poverty line, elevated and often tied to deferred-maintenance inventory. A median home runs $434,800 here, or 7.8 times local income. Around 25% of adults hold a bachelor's degree or higher. The tenure split is 71% owner-occupied to 29% rented. Households earn a median $57,639 — below the roughly $78,000 national figure.

Net-net, 95310 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. 95310 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: 95310's 26/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. The score is rebuilt from public data as it updates, so 95310 reflects the current record instead of a stale or modeled snapshot.

95310's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. The point of the 95310 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.