ZIP 95315 Foreclosure, Tax-Lien & Distress Report

ZIP code 95315 in Merced County, California carries a composite property-distress score of 25/100 — a low reading on DLRadar's deterministic public-record index. What sets it apart are the readings on construction/permit lag (56/100), structural risk (56/100), institutional ownership (16/100). By contrast, institutional ownership (16/100) and mortgage stress (7/100) register low. Climate and flood risk are elevated too — climate & FEMA risk (96/100), flood (NFIP) exposure (69/100). Structural risk reads 56/100 against active distress of 2/100.

Prices here sit in a contraction phase: values fell 1.1% over the trailing year, 3.3% off the recent peak, and 3% higher over three years, at 17/100 phase confidence. Softening prices widen the spread between distressed and market value — what acquisition buyers watch for.

Median household income is $67,868, below the U.S. median near $78,000. Rent burden reaches 49% of tenant households. The vacancy rate is 3.3%. About 14% have a four-year degree. Roughly 15.9% live below the poverty line. The tenure split is 70% owner-occupied to 30% rented. A median home runs $349,600 here, or 5.0 times local income. The demographic-stress sub-score lands at 40/100. There are about 3,819 housing units across 95315. About 13,006 people live here, median age 32.

On the whole, 95315 leans distressed, with opportunity clustered in specific stressed parcels. Parcel-level detail for 95315 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

The number is not local guesswork: 95315's 25/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. Nothing here is interpolated — where a source is thin for 95315, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

The 25/100 figure for 95315 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 95315 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.