ZIP 95346 Foreclosure, Tax-Lien & Distress Report

ZIP 95346's composite property-distress score is 27/100 - DLRadar classes that as low for Tuolumne County, California. Leading the profile are construction/permit lag (84/100), structural risk (57/100), institutional ownership (29/100). On the quiet end sit institutional ownership (29/100) and mortgage stress (7/100). Environmental exposure also runs high (climate & FEMA risk (85/100)). The split runs 57/100 structural to 2/100 active on the ground.

The peak-phase market in 95346 posted values that held roughly flat over the year, and 5% higher over three years, at 12/100 phase confidence. Topping markets hide individual distress behind strong averages.

At $108,362, median income runs above typical U.S. levels. 0.0% of residents fall below the poverty threshold. On demographic stress specifically, 95346 scores 32/100. The typical home is worth about $508,900 (4.8× income). Rent burden reaches 23% of tenant households. The tenure split is 76% owner-occupied to 24% rented. About 51% have a four-year degree. Vacancy runs 71.2%, above the national norm and a classic distress-and-opportunity signal. The ZIP holds roughly 1,378 housing units. About 807 people live here, median age 54.

Net-net, 95346 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. There is no property file for 95346 at the moment; the composite and its components are still built from verifiable public records.

Whether 95346 runs hot or quiet, its 27/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 95346 can be compared directly against any other ZIP in Tuolumne County, California or nationwide. 95346 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

95346's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. Practically, 95346 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.