ZIP 95351 Foreclosure, Tax-Lien & Distress Report

ZIP 95351's composite property-distress score is 20/100 - DLRadar classes that as low for Stanislaus County, California. Its heaviest discrete signals: 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). It additionally carries heavy environmental risk: climate & FEMA risk (97/100), flood (NFIP) exposure (73/100). Latent structural risk is 43/100 while live distress already moving reads 2/100.

The peak-phase market in 95351 posted values that rose 2.0% over the year, and 2% higher over three years (phase confidence 13/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Households earn a median $56,869 — below the roughly $78,000 national figure. Rent burden reaches 45% of tenant households. There are about 13,736 housing units across 95351. Around 8% of adults hold a bachelor's degree or higher. The typical home is worth about $343,500 (5.5× income). Vacancy runs 4.3%. The tenure split is 49% owner-occupied to 51% rented. DLRadar's demographic-stress index for the area reads 44/100. Roughly 21.1% live below the poverty line, elevated and often tied to deferred-maintenance inventory. Population is roughly 47,232 with a median age of 30.

On the whole, 95351 leans distressed, with opportunity clustered in specific stressed parcels. While 95351 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

Whether 95351 runs hot or quiet, its 20/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 95351 can be compared directly against any other ZIP in Stanislaus County, California or nationwide. The score is rebuilt from public data as it updates, so 95351 reflects the current record instead of a stale or modeled snapshot.

The 20/100 for 95351 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. In workflow terms, 95351 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.