ZIP 95320 Foreclosure, Tax-Lien & Distress Report

San Joaquin County, California's ZIP 95320 registers 26/100 composite distress, which DLRadar reads as low. The most distinctive pressure shows up in construction/permit lag (69/100), structural risk (59/100), institutional ownership (14/100). On the quiet end sit institutional ownership (14/100) and mortgage stress (4/100). Climate and flood risk are elevated too — climate & FEMA risk (99/100), flood (NFIP) exposure (60/100). On the structural side it scores 59/100, with 1/100 of stress already active.

Prices here sit in a contraction phase: values fell 2.5% over the trailing year, 2.7% off the recent peak, and 6% higher over three years (phase confidence 36/100). Falling values surface more motivated sellers and below-market exits.

At $86,612, median income runs near typical U.S. levels. The demographic-stress sub-score lands at 37/100. The vacancy rate is 9.3%. Around 30% of renters are cost-burdened. About 19% have a four-year degree. 74% of housing is owner-occupied. The ZIP holds roughly 5,037 housing units. Home values center near $521,900, an affordability ratio of 5.7×. 13.1% of residents fall below the poverty threshold. 13,511 residents call 95320 home, typically aged 36.

On the whole, 95320 leans distressed, with opportunity clustered in specific stressed parcels. No parcel file is published for 95320 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

Big metro or rural, 95320 runs through one identical scoring model, so its 26/100 sits on the same scale as every other ZIP in San Joaquin County, California and the nation. Where the record is thin for 95320, the field stays empty rather than modeled, and fills in as new documents post.

The 26/100 figure for 95320 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, 95320 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.