ZIP 95377 Foreclosure, Tax-Lien & Distress Report

On DLRadar's 0-100 distress scale, ZIP 95377 in San Joaquin County, California comes in at 26, a low composite-distress reading. The sharpest non-environmental signals are construction/permit lag (62/100), structural risk (58/100), institutional ownership (15/100). By contrast, institutional ownership (15/100) and mortgage stress (4/100) register low. Climate and flood risk are elevated too — climate & FEMA risk (99/100), flood (NFIP) exposure (63/100). Structural risk reads 58/100 against active distress of 1/100.

The market reads contraction — home values fell 2.2% year on year, 2.4% off the recent peak, and 5% lower over three years, at 33/100 phase confidence. Softening prices widen the spread between distressed and market value — what acquisition buyers watch for.

Households earn a median $155,984 — above the roughly $78,000 national figure. Rent burden reaches 32% of tenant households. The ZIP holds roughly 10,584 housing units. The vacancy rate is 3.0%. About 34% have a four-year degree. Home values center near $834,600, an affordability ratio of 5.0×. The demographic-stress sub-score lands at 32/100. Owners hold 74% of homes, renters 26%. Roughly 5.4% live below the poverty line, a low share typical of higher-equity areas. About 36,182 people live here, median age 37.

On the whole, 95377 leans distressed, with opportunity clustered in specific stressed parcels. No parcel file is published for 95377 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

The 95377 read uses the identical scoring model applied coast to coast, which means its 26/100 score means exactly what it means anywhere else, and 95377 stays directly comparable to neighboring ZIPs and the rest of San Joaquin County, California. Nothing here is interpolated — where a source is thin for 95377, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

The 26/100 for 95377 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. For a buyer, 95377 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.