ZIP 95363 Foreclosure, Tax-Lien & Distress Report

Stanislaus County, California's ZIP 95363 registers 20/100 composite distress, which DLRadar reads as low. It additionally carries heavy environmental risk: climate & FEMA risk (97/100), flood (NFIP) exposure (73/100). Its standout signals are 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). The split runs 43/100 structural to 2/100 active on the ground.

The peak-phase market in 95363 posted values that rose 2.0% over the year, and 15% higher over three years (phase confidence 13/100). Topping markets hide individual distress behind strong averages.

Population is roughly 30,407 with a median age of 33. The typical home is worth about $470,700 (4.5× income). 72% of housing is owner-occupied. Around 15% of adults hold a bachelor's degree or higher. Vacancy runs 6.0%. Households earn a median $99,321 — above the roughly $78,000 national figure. There are about 8,682 housing units across 95363. Around 32% of renters are cost-burdened. On demographic stress specifically, 95363 scores 34/100. The poverty rate is 8.9%.

Net-net, 95363 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. Parcel-level detail for 95363 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

No ZIP is too small to score: 95363 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 20/100 composite is a like-for-like number rather than an isolated estimate. 95363 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

Behind 95363'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, 95363 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.