ZIP 95321 Foreclosure, Tax-Lien & Distress Report

ZIP code 95321 in Tuolumne County, California carries a composite property-distress score of 26/100 — a low reading on DLRadar's deterministic distress index. The latent-versus-live split is 57/100 structural and 2/100 already moving. It additionally carries heavy environmental risk: climate & FEMA risk (85/100). Its heaviest discrete signals: construction/permit lag (82/100), structural risk (57/100), institutional ownership (29/100). institutional ownership (29/100) and mortgage stress (7/100) stay muted.

The market reads peak — home values held roughly flat year on year, and 13% lower over three years, at 12/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

A median home runs $393,100 here, or 5.4 times local income. Households earn a median $69,679 — near the roughly $78,000 national figure. The ZIP holds roughly 3,665 housing units. The demographic-stress sub-score lands at 42/100. Population is roughly 3,870 with a median age of 57. 10.5% of residents fall below the poverty threshold. 87% of housing is owner-occupied. Around 31% of adults hold a bachelor's degree or higher. The vacancy rate is 55.7% — elevated. Around 64% of renters are cost-burdened.

Taken together, 95321 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. 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, 95321's 26/100 can be lined up against any neighbor in Tuolumne County, California or any ZIP coast to coast. Every figure is auditable to a public dataset and refreshed as records update; 95321 shows blanks, not estimates, wherever the record is sparse.

95321's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. Practically, 95321 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.