ZIP 95361 Foreclosure, Tax-Lien & Distress Report

ZIP 95361's composite property-distress score is 20/100 - DLRadar classes that as low for Stanislaus County, California. The latent-versus-live split is 43/100 structural and 2/100 already moving. Climate and flood risk are elevated too — climate & FEMA risk (97/100), flood (NFIP) exposure (72/100). What sets it apart are the readings on 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 1.9% over the trailing year, and 7% higher over three years, at 12/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

There are about 12,888 housing units across 95361. The vacancy rate is 4.8%. 35,024 residents call 95361 home, typically aged 39. Owners hold 69% of homes, renters 31%. Educational attainment sits at 24% bachelor's-or-above. Households earn a median $91,381 — above the roughly $78,000 national figure. Rent burden reaches 43% of tenant households. The demographic-stress sub-score lands at 37/100. Home values center near $516,000, an affordability ratio of 5.3×. The poverty rate is 12.0%.

Overall, 95361 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. 95361 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

Big metro or rural, 95361 runs through one identical public-record model, so its 20/100 sits on the same scale as every other ZIP in Stanislaus County, California and the nation. Every figure is auditable to a public dataset and refreshed on ingest; 95361 shows blanks, not estimates, wherever the record is sparse.

Behind 95361's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. In workflow terms, 95361 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.