ZIP 95357 Foreclosure, Tax-Lien & Distress Report

Scored on a fixed 0-100 scale, 95357 (Stanislaus County, California) returns a low composite of 20/100. What sets it apart are the readings on structural risk (43/100), institutional ownership (16/100), mortgage stress (7/100). By contrast, institutional ownership (16/100) and mortgage stress (7/100) register low. Structural exposure scores 43 and live distress 2 on the 0–100 scale. It additionally carries heavy environmental risk: climate & FEMA risk (97/100), flood (NFIP) exposure (71/100).

The market reads peak — home values rose 2.0% year on year, and 6% higher over three years, at 13/100 phase confidence. Topping markets hide individual distress behind strong averages.

About 16% have a four-year degree. The poverty rate is 11.5%. 14,283 residents call 95357 home, typically aged 35. DLRadar's demographic-stress index for the area reads 34/100. The typical home is worth about $445,400 (4.4× income). Owners hold 70% of homes, renters 30%. Median household income is $94,066, above the U.S. median near $78,000. The vacancy rate is 1.4%. Around 38% of renters are cost-burdened. There are about 4,259 housing units across 95357.

Net-net, 95357 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. There is no property file for 95357 at the moment; the composite and its components are still built from verifiable records.

Because one deterministic model scores every ZIP, 95357's 20/100 can be lined up against any neighbor in Stanislaus County, California or any ZIP coast to coast. Every figure is auditable to a public dataset and refreshed as records update; 95357 shows blanks, not estimates, wherever the record is sparse.

Each component behind 95357 - 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, 95357 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.