ZIP 95631 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 95631 (Placer County, California) at a low 23/100 for overall property distress. On the structural side it scores 52/100, with 2/100 of stress already active. Property-level stress concentrates in structural risk (52/100), construction/permit lag (46/100), institutional ownership (15/100). institutional ownership (15/100) and mortgage stress (8/100) stay muted. Environmental exposure also runs high (climate & FEMA risk (94/100), flood (NFIP) exposure (63/100)).

Prices here sit in a contraction phase: values held roughly flat over the trailing year, and 1% higher over three years (phase confidence 12/100). A cooling market tends to open discount-to-value windows.

There are about 2,784 housing units across 95631. A median home runs $496,900 here, or 4.9 times local income. The tenure split is 83% owner-occupied to 17% rented. The vacancy rate is 3.2%. 9.0% of residents fall below the poverty threshold. Around 38% of renters are cost-burdened. About 21% have a four-year degree. At $103,947, median income runs above typical U.S. levels. 6,934 residents call 95631 home, typically aged 45. DLRadar's demographic-stress index for the area reads 33/100.

Taken together, 95631 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. While 95631 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

The 95631 read uses the identical scoring model applied coast to coast, which means its 23/100 score means exactly what it means anywhere else, and 95631 stays directly comparable to neighboring ZIPs and the rest of Placer County, California. The score is rebuilt from public data as it updates, so 95631 reflects the current record instead of a stale or modeled snapshot.

Each component behind 95631 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 23/100 roll-up. For a buyer, 95631 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.