ZIP 95326 Foreclosure, Tax-Lien & Distress Report

ZIP 95326's composite property-distress score is 20/100 - DLRadar classes that as low for Stanislaus County, California. The sharpest non-environmental signals are structural risk (43/100), institutional ownership (17/100), mortgage stress (7/100). On the quiet end sit institutional ownership (17/100) and mortgage stress (7/100). The split runs 43/100 structural to 2/100 active on the ground. Climate and flood risk are elevated too — climate & FEMA risk (97/100), flood (NFIP) exposure (73/100).

The peak-phase market in 95326 posted values that rose 2.0% over the year, and 5% higher over three years, at 13/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

At $89,268, median income runs above typical U.S. levels. The demographic-stress sub-score lands at 38/100. 11.1% of residents fall below the poverty threshold. Around 20% of adults hold a bachelor's degree or higher. The typical home is worth about $533,100 (5.6× income). The vacancy rate is 4.7%. Owners hold 62% of homes, renters 38%. 10,662 residents call 95326 home, typically aged 40. Rent burden reaches 41% of tenant households. There are about 4,072 housing units across 95326.

Overall, 95326 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. 95326 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

No ZIP is too small to score: 95326 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 20/100 composite is a like-for-like number rather than an isolated estimate. The score is rebuilt from public data as it updates, so 95326 reflects the current record instead of a stale or modeled snapshot.

Behind 95326's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. For an operator, 95326 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.