ZIP 95340 Foreclosure, Tax-Lien & Distress Report

ZIP 95340's composite property-distress score is 25/100 - DLRadar classes that as low for Merced County, California. Climate and flood risk are elevated too — climate & FEMA risk (96/100), flood (NFIP) exposure (69/100). Structurally it carries 56/100, against 2/100 of stress already in motion. Property-level stress concentrates in 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).

The market reads contraction — home values fell 1.1% year on year, 3.3% off the recent peak, and 7% higher over three years (phase confidence 17/100). Softening prices widen the spread between distressed and market value — what acquisition buyers watch for.

Median household income is $65,141, below the U.S. median near $78,000. 19.1% of residents fall below the poverty threshold. The ZIP holds roughly 13,724 housing units. About 26% have a four-year degree. Around 51% of renters are cost-burdened. The tenure split is 56% owner-occupied to 44% rented. DLRadar's demographic-stress index for the area reads 43/100. Population is roughly 38,045 with a median age of 32. The vacancy rate is 6.9%. Home values center near $399,100, an affordability ratio of 5.9×.

On the whole, 95340 leans distressed, with opportunity clustered in specific stressed parcels. No parcel file is published for 95340 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

Because one deterministic model scores every ZIP, 95340's 25/100 can be lined up against any neighbor in Merced County, California or any ZIP coast to coast. Every figure is auditable to a public dataset and refreshed on ingest; 95340 shows blanks, not estimates, wherever the record is sparse.

Each component behind 95340 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 25/100 roll-up. For a buyer, 95340 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.