ZIP 95321 Foreclosure, Tax-Lien & Distress Report
Tuolumne County, California · High Vacancy market
ZIP code 95321 in Tuolumne County, California carries a composite property-distress score of 27/100 — a low reading on DLRadar's deterministic public-record index. The latent-versus-live split is 58/100 structural and 2/100 already moving. It additionally carries heavy environmental risk: climate & FEMA risk (85/100). Its heaviest discrete signals: construction/permit lag (84/100), structural risk (58/100), 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 27/100 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 on ingest; 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.
ZIP 95321 distress signals, scored
Delinquency on tax, investor concentration, insurance pressure, NFIP flood, lagging construction, price dislocation and sale velocity — and the 0 individual distressed properties come with owner, address, APN, an individual score and an exit read in the complete report.
ZIP 95321 Stress Report snapshot
Real-time distress, cycle phase, housing and bank-stress readings for 95321, the same set carried on every parcel.
Adjacent Tuolumne County ZIP reports
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Unlock parcel-level detail for ZIP 95321
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Rules-based scoring — each signal ties to a public dataset · methodology