ZIP 95388 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 95388 (Merced County, California) at a low 25/100 for overall property distress. Leading the profile are construction/permit lag (56/100), structural risk (56/100), institutional ownership (16/100). On the quiet end sit institutional ownership (16/100) and mortgage stress (7/100). Structural exposure scores 56 and live distress 2 on the 0–100 scale. It additionally carries heavy environmental risk: climate & FEMA risk (96/100), flood (NFIP) exposure (69/100).

The market reads contraction — home values fell 1.1% year on year, 3.3% off the recent peak, and 11% higher over three years, at 17/100 phase confidence. Falling values surface more motivated sellers and below-market exits.

At $60,762, median income runs below typical U.S. levels. Around 7% of adults hold a bachelor's degree or higher. The poverty rate is 13.5%. 13,005 residents call 95388 home, typically aged 30. Vacancy runs 6.0%. A median home runs $345,100 here, or 5.1 times local income. On demographic stress specifically, 95388 scores 40/100. The tenure split is 54% owner-occupied to 46% rented. Around 36% of renters are cost-burdened. There are about 4,078 housing units across 95388.

Taken together, 95388 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Parcel-level detail for 95388 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

Because one deterministic model scores every ZIP, 95388's 25/100 can be lined up against any neighbor in Merced County, California or any ZIP coast to coast. Where the public record is thin for 95388, the field stays empty rather than modeled, and fills in as new documents post.

The 25/100 for 95388 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. The point of the 95388 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.