ZIP 95623 Property Distress & Foreclosure Data

Composite property distress in 95623 (El Dorado County, California) lands at 20/100 — low on DLRadar's public-record scoring. Environmental exposure also runs high (climate & FEMA risk (92/100)). The latent-versus-live split is 43/100 structural and 1/100 already moving. The sharpest non-environmental signals are construction/permit lag (61/100), structural risk (43/100), mortgage stress (5/100). On the quiet end sit mortgage stress (5/100) and institutional ownership (3/100).

The peak-phase market in 95623 posted values that rose 1.0% over the year, and 0% higher over three years (phase confidence 18/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Median household income is $106,190, above the U.S. median near $78,000. The ZIP holds roughly 1,705 housing units. 21.0% of residents fall below the poverty threshold. Educational attainment sits at 27% bachelor's-or-above. Home values center near $601,800, an affordability ratio of 5.4×. Owners hold 84% of homes, renters 16%. Around 51% of renters are cost-burdened. DLRadar's demographic-stress index for the area reads 38/100. The vacancy rate is 4.5%. Population is roughly 4,725 with a median age of 48.

On the whole, 95623 leans distressed, with opportunity clustered in specific stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.