ZIP 95324 Foreclosure, Tax-Lien & Distress Report
Merced County, California · Cooling Market market
On DLRadar's 0-100 public-record scale, ZIP 95324 in Merced County, California comes in at 25, a low composite-distress reading. What sets it apart are the readings on construction/permit lag (56/100), structural risk (56/100), institutional ownership (16/100). On the quiet end sit institutional ownership (16/100) and mortgage stress (7/100). It additionally carries heavy environmental risk: climate & FEMA risk (96/100), flood (NFIP) exposure (69/100). Structural risk reads 56/100 against active distress of 2/100.
The contraction-phase market in 95324 posted values that fell 1.1% over the year, 3.3% off the recent peak, and 15% higher over three years, at 17/100 phase confidence. Falling values surface more motivated sellers and below-market exits.
Households earn a median $72,309 — near the roughly $78,000 national figure. On demographic stress specifically, 95324 scores 41/100. The poverty rate is 17.0% — high, a tax-stress and distress correlate. Owners hold 50% of homes, renters 50%. Rent burden reaches 23% of tenant households. The typical home is worth about $462,900 (6.1× income). Around 9% of adults hold a bachelor's degree or higher. Vacancy runs 7.1%. Population is roughly 7,862 with a median age of 37. There are about 2,732 housing units across 95324.
On the whole, 95324 leans distressed, with opportunity clustered in specific stressed parcels. There is no property file for 95324 at the moment; the composite and its components are still built from verifiable public records.
Whether 95324 runs hot or quiet, its 25/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 95324 can be compared directly against any other ZIP in Merced County, California or nationwide. Sparse data for 95324 shows as blanks, never estimates, and the score updates on every fresh public filing.
95324'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 95324 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.
Signal-by-signal read on 95324
Tax-delinquent parcels, institutional ownership, insurance strain, flood risk, construction lag, price dislocation and auction speed — plus the 0 individual distressed properties carry owner, address, APN, a parcel-level score and an exit read in the full DLRadar file.
The 95324 distress snapshot
Real-time distress, cycle phase, housing and bank-stress readings for 95324, the same set carried on every parcel.
Nearby ZIPs in Merced County
Keep exploring California distress
Related ZIP, county and statewide reads linked to Merced County, California.
Open the complete 95324 acquisition file
Every distressed parcel in 95324 comes with owner and address, APN, its own distress score, bank exposure and an exit-velocity read — plus a one-click path to funding and closing, refreshed continuously nationwide.
Rules-based scoring — each signal ties to a public dataset · methodology