ZIP 95321 Property Distress & Foreclosure Data

Composite property distress in 95321 (Tuolumne County, California) lands at 14/100 — minimal on DLRadar's public-record scoring. Structural risk reads 28/100 against active distress of 2/100. Climate and flood risk are elevated too — climate & FEMA risk (85/100). The sharpest non-environmental signals are structural risk (28/100), mortgage stress (7/100), construction/permit lag (5/100). construction/permit lag (5/100) and institutional ownership (4/100) stay muted.

Prices here sit in a peak phase: values rose 1.2% over the trailing year, and 13% lower over three years, at 23/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

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. There are about 3,665 housing units across 95321. On demographic stress specifically, 95321 scores 42/100. 3,870 residents call 95321 home, typically aged 57. Roughly 10.5% live below the poverty line. The tenure split is 87% owner-occupied to 13% rented. About 31% have a four-year degree. Vacancy runs 55.7%, above the national norm and a classic distress-and-opportunity signal. Rent burden reaches 64% of tenant households.

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.