ZIP 95365 Foreclosure, Tax-Lien & Distress Report
Merced County, California · High Poverty market
ZIP 95365's composite property-distress score is 25/100 - DLRadar classes that as low for Merced County, California. Climate and flood risk are elevated too — climate & FEMA risk (96/100), flood (NFIP) exposure (68/100). The sharpest non-environmental signals are structural risk (56/100), construction/permit lag (53/100), institutional ownership (16/100). On the quiet end sit institutional ownership (16/100) and mortgage stress (7/100). The latent-versus-live split is 56/100 structural and 2/100 already moving.
The contraction-phase market in 95365 posted values that fell 1.1% over the year, 3.3% off the recent peak, and 38% higher over three years (phase confidence 17/100). Softening prices widen the spread between distressed and market value — what acquisition buyers watch for.
4,009 residents call 95365 home, typically aged 34. The vacancy rate is 6.7%. Home values center near $266,400, an affordability ratio of 5.8×. Owners hold 49% of homes, renters 51%. Around 30% of renters are cost-burdened. Roughly 32.7% live below the poverty line, elevated and often tied to deferred-maintenance inventory. Households earn a median $40,718 — below the roughly $78,000 national figure. On demographic stress specifically, 95365 scores 46/100. There are about 1,319 housing units across 95365. Educational attainment sits at 4% bachelor's-or-above.
On the whole, 95365 leans distressed, with opportunity clustered in specific stressed parcels. Parcel-level detail for 95365 is not published yet -- the ZIP-level readings above remain fully sourced.
Because one deterministic model scores every ZIP, 95365's 25/100 can be lined up against any neighbor in Merced County, California or any ZIP coast to coast. Nothing here is interpolated — where a source is thin for 95365, DLRadar leaves it blank rather than guessing, and re-scores as new records post.
95365's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. Treat 95365 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.
Signal-by-signal read on 95365
Tax-delinquent parcels, institutional ownership, insurance strain, flood risk, construction lag, price dislocation and auction speed — plus the 0 individual distressed properties — each with owner, address, APN, its own distress score and an exit read — are in the full report.
The 95365 distress snapshot
Real-time distress, cycle phase, housing and bank-stress readings for 95365, the same set carried on every parcel.
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By straight-line distance between ZIP centers — the surrounding market, whichever county or state line it crosses.
More distress data near 95365
Other reports tied to Merced County, California — ZIP, county and statewide.
Open the complete 95365 acquisition file
The full 95365 file lists each distressed parcel with owner, address, APN, per-property score, bank exposure and exit-velocity read, and carries it straight through to owner and lender records. Refreshed continuously.
Deterministic scoring, sourced entirely from public data · methodology