ZIP 95323 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 95323 (Stanislaus County, California) at a low 20/100 for overall property distress. Structural risk reads 43/100 against active distress of 2/100. Environmental exposure also runs high (climate & FEMA risk (97/100), flood (NFIP) exposure (73/100)). The most distinctive pressure shows up in structural risk (43/100), institutional ownership (17/100), mortgage stress (7/100). By contrast, institutional ownership (17/100) and mortgage stress (7/100) register low.

The peak-phase market in 95323 posted values that rose 2.0% over the year, and 3% lower over three years (phase confidence 13/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Population is roughly 1,409 with a median age of 41. Vacancy runs 4.9%. 10.8% of residents fall below the poverty threshold. Educational attainment sits at 19% bachelor's-or-above. The tenure split is 68% owner-occupied to 32% rented. Rent burden reaches 4% of tenant households. The ZIP holds roughly 477 housing units. Households earn a median $89,188 — above the roughly $78,000 national figure. A median home runs $568,200 here, or 5.9 times local income. On demographic stress specifically, 95323 scores 34/100.

On balance 95323 is mixed, rewarding parcel-by-parcel screening over broad assumptions. No parcel file is published for 95323 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

Whether 95323 runs hot or quiet, its 20/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 95323 can be compared directly against any other ZIP in Stanislaus County, California or nationwide. Every figure is auditable to a public dataset and refreshed on ingest; 95323 shows blanks, not estimates, wherever the record is sparse.

95323's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. Treat 95323 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.