ZIP 95380 Foreclosure, Tax-Lien & Distress Report

In Stanislaus County, California, ZIP 95380 scores 20 of 100 for composite distress, a low level on DLRadar's public-record index. Its heaviest discrete signals: structural risk (43/100), institutional ownership (17/100), mortgage stress (7/100). By contrast, institutional ownership (17/100) and mortgage stress (7/100) register low. Environmental exposure also runs high (climate & FEMA risk (97/100), flood (NFIP) exposure (72/100)). Structurally it carries 43/100, against 2/100 of stress already in motion.

The peak-phase market in 95380 posted values that rose 1.2% over the year, and 9% higher over three years (phase confidence 9/100). Topping markets hide individual distress behind strong averages.

Median household income is $68,308, below the U.S. median near $78,000. Around 18% of adults hold a bachelor's degree or higher. The ZIP holds roughly 15,736 housing units. Around 43% of renters are cost-burdened. The demographic-stress sub-score lands at 42/100. Population is roughly 43,731 with a median age of 32. 14.5% of residents fall below the poverty threshold. Owners hold 50% of homes, renters 50%. A median home runs $433,600 here, or 6.0 times local income. The vacancy rate is 5.2%.

Net-net, 95380 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

Because one deterministic model scores every ZIP, 95380's 20/100 can be lined up against any neighbor in Stanislaus County, California or any ZIP coast to coast. Sparse data for 95380 shows as blanks, never estimates, and the score updates on every fresh public filing.

Behind 95380'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. The point of the 95380 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.