ZIP 95356 Foreclosure, Tax-Lien & Distress Report

In Stanislaus County, California, ZIP 95356 scores 20 of 100 for composite distress, a low level on DLRadar's public-record index. Structurally it carries 43/100, against 2/100 of stress already in motion. Environmental exposure also runs high (climate & FEMA risk (97/100), flood (NFIP) exposure (73/100)). Its heaviest discrete signals: structural risk (43/100), institutional ownership (17/100), mortgage stress (7/100). institutional ownership (17/100) and mortgage stress (7/100) stay muted.

Prices here sit in a peak phase: values rose 2.0% over the trailing year, and 6% higher over three years, at 13/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

A median home runs $532,600 here, or 5.2 times local income. On demographic stress specifically, 95356 scores 35/100. The vacancy rate is 2.7%. The ZIP holds roughly 11,875 housing units. About 33,025 people live here, median age 39. Rent burden reaches 40% of tenant households. The tenure split is 67% owner-occupied to 33% rented. Median household income is $95,376, above the U.S. median near $78,000. Educational attainment sits at 29% bachelor's-or-above. 8.5% of residents fall below the poverty threshold.

Net-net, 95356 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. There is no property file for 95356 at the moment; the composite and its components are still built from verifiable public records.

Because one deterministic model scores every ZIP, 95356's 20/100 can be lined up against any neighbor in Stanislaus County, California or any ZIP coast to coast. 95356 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

Each component behind 95356 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 20/100 roll-up. In workflow terms, 95356 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.