ZIP 95369 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 95369 (Merced County, California) at a low 25/100 for overall property distress. It additionally carries heavy environmental risk: climate & FEMA risk (94/100). The pressure is most legible in construction/permit lag (57/100), structural risk (56/100), institutional ownership (18/100). institutional ownership (18/100) and mortgage stress (8/100) stay muted. Structural risk reads 56/100 against active distress of 2/100.

The contraction-phase market in 95369 posted values that fell 1.0% over the year, 2.9% off the recent peak (phase confidence 17/100). A cooling market tends to open discount-to-value windows.

Vacancy runs 20.0%, above the national norm and a classic distress-and-opportunity signal. A median home runs $354,900 here, or 4.1 times local income. The ZIP holds roughly 381 housing units. The tenure split is 60% owner-occupied to 40% rented. Educational attainment sits at 11% bachelor's-or-above. Households earn a median $86,250 — near the roughly $78,000 national figure. 802 residents call 95369 home, typically aged 45. Roughly 12.0% live below the poverty line. DLRadar's demographic-stress index for the area reads 35/100. Around 33% of renters are cost-burdened.

On the whole, 95369 leans distressed, with opportunity clustered in specific stressed parcels. Parcel-level detail for 95369 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

Because one deterministic model scores every ZIP, 95369's 25/100 can be lined up against any neighbor in Merced County, California or any ZIP coast to coast. Sparse data for 95369 shows as blanks, never estimates, and the score updates on every fresh public filing.

95369's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. The point of the 95369 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.