ZIP 95313 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 95313 (Stanislaus County, California) returns a low composite of 20/100. Environmental exposure also runs high (climate & FEMA risk (97/100), flood (NFIP) exposure (73/100)). On the structural side it scores 43/100, with 2/100 of stress already active. The most distinctive pressure shows up in structural risk (43/100), institutional ownership (17/100), mortgage stress (7/100). On the quiet end sit institutional ownership (17/100) and mortgage stress (7/100).

The market reads peak — home values rose 2.0% year on year, at 13/100 phase confidence. Topping markets hide individual distress behind strong averages.

Educational attainment sits at 12% bachelor's-or-above. The demographic-stress sub-score lands at 45/100. At $72,321, median income runs near typical U.S. levels. Around 8% of renters are cost-burdened. There are about 478 housing units across 95313. Home values center near $428,100, an affordability ratio of 8.3× — stretched. 35% of housing is owner-occupied. The vacancy rate is 12.2% — elevated. The poverty rate is 10.2%. 1,114 residents call 95313 home, typically aged 39.

On the whole, 95313 leans distressed, with opportunity clustered in specific stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

Because one deterministic model scores every ZIP, 95313's 20/100 can be lined up against any neighbor in Stanislaus County, California or any ZIP coast to coast. Sparse data for 95313 shows as blanks, never estimates, and the score updates on every fresh public filing.

Behind 95313'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. In workflow terms, 95313 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.