ZIP 95317 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 95317 (Merced County, California) at a low 25/100 for overall property distress. The most distinctive pressure shows up in construction/permit lag (56/100), structural risk (56/100), institutional ownership (16/100). institutional ownership (16/100) and mortgage stress (7/100) stay muted. Environmental exposure also runs high (climate & FEMA risk (96/100), flood (NFIP) exposure (69/100)). The split runs 56/100 structural to 2/100 active on the ground.

Prices here sit in a contraction phase: values fell 1.1% over the trailing year, 3.3% off the recent peak, at 17/100 phase confidence. A cooling market tends to open discount-to-value windows.

There are about 287 housing units across 95317. Rent burden reaches 37% of tenant households. Households earn a median $57,438 — below the roughly $78,000 national figure. About 7% have a four-year degree. 11.1% of residents fall below the poverty threshold. Vacancy runs 6.9%. About 936 people live here, median age 33. Home values center near $366,700, an affordability ratio of 6.9×. The demographic-stress sub-score lands at 47/100. Owners hold 28% of homes, renters 72%.

Taken together, 95317 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. 95317 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: 95317's 25/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. Where the public record is thin for 95317, the field stays empty rather than modeled, and fills in as new documents post.

The 25/100 figure for 95317 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. In workflow terms, 95317 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.