ZIP 95370 Foreclosure, Tax-Lien & Distress Report

Tuolumne County, California's ZIP 95370 registers 27/100 composite distress, which DLRadar reads as low. It additionally carries heavy environmental risk: climate & FEMA risk (85/100). The most distinctive pressure shows up in construction/permit lag (84/100), structural risk (57/100), institutional ownership (29/100). On the quiet end sit institutional ownership (29/100) and mortgage stress (7/100). On the structural side it scores 57/100, with 2/100 of stress already active.

The market reads peak — home values held roughly flat year on year, and 5% higher over three years (phase confidence 12/100). Topping markets hide individual distress behind strong averages.

Population is roughly 28,373 with a median age of 50. The ZIP holds roughly 14,074 housing units. The tenure split is 71% owner-occupied to 29% rented. DLRadar's demographic-stress index for the area reads 39/100. Vacancy runs 11.9%, above the national norm and a classic distress-and-opportunity signal. Rent burden reaches 47% of tenant households. A median home runs $448,400 here, or 5.8 times local income. Median household income is $72,433, near the U.S. median near $78,000. The poverty rate is 12.2%. Around 24% of adults hold a bachelor's degree or higher.

Overall, 95370 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. There is no property file for 95370 at the moment; the composite and its components are still built from verifiable public records.

No ZIP is too small to score: 95370 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 27/100 composite is a like-for-like number rather than an isolated estimate. 95370 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

Behind 95370'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. Practically, 95370 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.