ZIP 95322 Foreclosure, Tax-Lien & Distress Report
Merced County, California · High Vacancy market
In Merced County, California, ZIP 95322 scores 25 of 100 for composite distress, a low level on DLRadar's public-record index. Its heaviest discrete signals: structural risk (56/100), construction/permit lag (53/100), 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)). Latent structural risk is 56/100 while live distress already moving reads 2/100.
The contraction-phase market in 95322 posted values that fell 1.0% over the year, 3.3% off the recent peak, and 10% higher over three years (phase confidence 16/100). A cooling market tends to open discount-to-value windows.
Around 9% of adults hold a bachelor's degree or higher. Roughly 5.7% live below the poverty line, a low share typical of higher-equity areas. Vacancy runs 15.1%, above the national norm and a classic distress-and-opportunity signal. Around 30% of renters are cost-burdened. The typical home is worth about $444,100 (6.8× income). Population is roughly 9,013 with a median age of 39. Median household income is $64,104, below the U.S. median near $78,000. The ZIP holds roughly 3,985 housing units. The demographic-stress sub-score lands at 42/100. 54% of housing is owner-occupied.
On the whole, 95322 leans distressed, with opportunity clustered in specific stressed parcels. While 95322 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.
Big metro or rural, 95322 runs through one identical public-record model, so its 25/100 sits on the same scale as every other ZIP in Merced County, California and the nation. The score is rebuilt from public data as it updates, so 95322 reflects the current record instead of a stale or modeled snapshot.
95322's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. The point of the 95322 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.
What is driving ZIP 95322’s distress
Delinquency on tax, investor concentration, insurance pressure, NFIP flood, lagging construction, price dislocation and sale velocity — and the 0 individual distressed properties are listed in full, with owner, address, APN, per-parcel score and exit-velocity read.
ZIP 95322 Stress Report snapshot
Current distress, phase, housing and lender-pressure figures for 95322, drawn from the same report attached to each property.
More ZIPs across Merced County
More distress data near 95322
Other reports tied to Merced County, California — ZIP, county and statewide.
Unlock parcel-level detail for ZIP 95322
See who owns each distressed property in 95322, where it is, its APN and score, the bank behind it and how fast it should exit — then fund and close it in one click. Continuously refreshed, nationwide.
Built from public records, scored the same way everywhere · methodology