ZIP 95376 Foreclosure, Tax-Lien & Distress Report

ZIP 95376's composite property-distress score is 26/100 - DLRadar classes that as low for San Joaquin County, California. Structurally it carries 59/100, against 1/100 of stress already in motion. What sets it apart are the readings on construction/permit lag (69/100), structural risk (59/100), institutional ownership (14/100). institutional ownership (14/100) and mortgage stress (4/100) stay muted. It additionally carries heavy environmental risk: climate & FEMA risk (99/100), flood (NFIP) exposure (60/100).

The market reads contraction — home values fell 2.5% year on year, 2.7% off the recent peak, and 3% lower over three years (phase confidence 36/100). A cooling market tends to open discount-to-value windows.

About 54,853 people live here, median age 34. Median household income is $103,493, above the U.S. median near $78,000. The tenure split is 61% owner-occupied to 39% rented. The poverty rate is 9.7%. The typical home is worth about $618,100 (5.7× income). There are about 17,699 housing units across 95376. Vacancy runs 3.7%. About 19% have a four-year degree. On demographic stress specifically, 95376 scores 39/100. Around 40% of renters are cost-burdened.

On the whole, 95376 leans distressed, with opportunity clustered in specific stressed parcels. Parcel-level detail for 95376 is not published yet -- the ZIP-level readings above remain fully sourced.

Because one deterministic model scores every ZIP, 95376's 26/100 can be lined up against any neighbor in San Joaquin County, California or any ZIP coast to coast. Nothing here is interpolated — where a source is thin for 95376, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

The 26/100 figure for 95376 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. For a buyer, 95376 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.