ZIP 95461 Foreclosure, Tax-Lien & Distress Report

On DLRadar's 0-100 public-record scale, ZIP 95461 in Lake County, California comes in at 27, a low composite-distress reading. Its heaviest discrete signals: 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. It additionally carries heavy environmental risk: climate & FEMA risk (92/100), flood (NFIP) exposure (70/100). Structural exposure scores 60 and live distress 7 on the 0–100 scale.

The market reads peak — home values held roughly flat year on year, and 15% lower over three years, at 12/100 phase confidence. Topping markets hide individual distress behind strong averages.

The vacancy rate is 19.9% — elevated. The tenure split is 71% owner-occupied to 29% rented. The ZIP holds roughly 1,453 housing units. Educational attainment sits at 24% bachelor's-or-above. Roughly 9.8% live below the poverty line. Home values center near $387,400, an affordability ratio of 4.7×. Median household income is $81,830, near the U.S. median near $78,000. The demographic-stress sub-score lands at 34/100. Rent burden reaches 31% of tenant households. About 3,720 people live here, median age 47.

Taken together, 95461 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. While 95461 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

No ZIP is too small to score: 95461 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. Nothing here is interpolated — where a source is thin for 95461, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

95461's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. In workflow terms, 95461 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.