ZIP 95328 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 95328 (Stanislaus County, California) lands at 20/100 — low on DLRadar's distress scoring. Leading the profile are structural risk (43/100), institutional ownership (16/100), mortgage stress (7/100). On the quiet end sit institutional ownership (16/100) and mortgage stress (7/100). On the structural side it scores 43/100, with 2/100 of stress already active. Climate and flood risk are elevated too — climate & FEMA risk (97/100), flood (NFIP) exposure (71/100).

The market reads peak — home values rose 2.0% year on year, and 13% higher over three years, at 13/100 phase confidence. Topping markets hide individual distress behind strong averages.

The poverty rate is 35.4% — high, a tax-stress and distress correlate. Around 60% of renters are cost-burdened. Households earn a median $53,013 — below the roughly $78,000 national figure. 48% of housing is owner-occupied. There are about 1,312 housing units across 95328. About 3,939 people live here, median age 31. Educational attainment sits at 7% bachelor's-or-above. The demographic-stress sub-score lands at 58/100. Vacancy runs 11.8%, above the national norm and a classic distress-and-opportunity signal. A median home runs $399,000 here, or 8.2 times local income.

Taken together, 95328 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Parcel-level detail for 95328 is not published yet -- the ZIP-level readings above remain fully sourced.

No ZIP is too small to score: 95328 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. Every figure is auditable to a public dataset and refreshed as records update; 95328 shows blanks, not estimates, wherever the record is sparse.

95328's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. Practically, 95328 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.