ZIP 95458 Foreclosure, Tax-Lien & Distress Report

ZIP code 95458 in Lake County, California carries a composite property-distress score of 27/100 — a low reading on DLRadar's deterministic public-record index. The most distinctive pressure shows up in structural risk (60/100), institutional ownership (46/100), construction/permit lag (29/100). By contrast, construction/permit lag (29/100) and mortgage stress (23/100) register low. Environmental exposure also runs high (climate & FEMA risk (92/100), flood (NFIP) exposure (70/100)). Latent structural risk is 60/100 while live distress already moving reads 7/100.

The market reads peak — home values held roughly flat year on year, and 3% lower over three years, at 12/100 phase confidence. Topping markets hide individual distress behind strong averages.

Median household income is $49,004, below the U.S. median near $78,000. Home values center near $249,500, an affordability ratio of 4.8×. 16.4% of residents fall below the poverty threshold. Around 7% of adults hold a bachelor's degree or higher. The ZIP holds roughly 2,152 housing units. The demographic-stress sub-score lands at 43/100. Around 66% of renters are cost-burdened. About 3,365 people live here, median age 42. The vacancy rate is 31.1% — elevated. Owners hold 73% of homes, renters 27%.

Net-net, 95458 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

No ZIP is too small to score: 95458 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 27/100 composite is a like-for-like number rather than an isolated estimate. Where the public record is thin for 95458, the field stays empty rather than modeled, and fills in as new documents post.

Behind 95458'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 95458 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.