ZIP 95386 Foreclosure, Tax-Lien & Distress Report

In Stanislaus County, California, ZIP 95386 scores 20 of 100 for composite distress, a low level on DLRadar's public-record index. The sharpest non-environmental signals are structural risk (43/100), institutional ownership (17/100), mortgage stress (7/100). institutional ownership (17/100) and mortgage stress (7/100) stay muted. It additionally carries heavy environmental risk: climate & FEMA risk (97/100), flood (NFIP) exposure (73/100). Structural exposure scores 43 and live distress 2 on the 0–100 scale.

Prices here sit in a peak phase: values rose 2.0% over the trailing year, and 11% higher over three years, at 13/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Households earn a median $71,336 — near the roughly $78,000 national figure. Around 36% of renters are cost-burdened. 14.6% of residents fall below the poverty threshold. The demographic-stress sub-score lands at 41/100. About 10% have a four-year degree. The vacancy rate is 8.5%. 10,410 residents call 95386 home, typically aged 32. Home values center near $416,500, an affordability ratio of 5.5×. Owners hold 55% of homes, renters 45%. There are about 3,273 housing units across 95386.

Overall, 95386 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. While 95386 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

The number is not local guesswork: 95386's 20/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. Every figure is auditable to a public dataset and refreshed on ingest; 95386 shows blanks, not estimates, wherever the record is sparse.

95386's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. For a buyer, 95386 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.