ZIP 95632 Foreclosure, Tax-Lien & Distress Report

In Sacramento County, California, ZIP 95632 scores 25 of 100 for composite distress, a low level on DLRadar's public-record index. What sets it apart are the readings on structural risk (55/100), construction/permit lag (53/100), institutional ownership (15/100). institutional ownership (15/100) and mortgage stress (6/100) stay muted. Climate and flood risk are elevated too — climate & FEMA risk (98/100), flood (NFIP) exposure (65/100). The split runs 55/100 structural to 2/100 active on the ground.

The market reads contraction — home values fell 1.1% year on year, 1.3% off the recent peak, and 4% higher over three years, at 19/100 phase confidence. A cooling market tends to open discount-to-value windows.

There are about 10,712 housing units across 95632. Population is roughly 31,889 with a median age of 39. Roughly 8.1% live below the poverty line. Home values center near $522,200, an affordability ratio of 5.4×. Households earn a median $90,933 — above the roughly $78,000 national figure. On demographic stress specifically, 95632 scores 36/100. Around 40% of renters are cost-burdened. Vacancy runs 4.2%. About 22% have a four-year degree. Owners hold 76% of homes, renters 24%.

Taken together, 95632 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. No parcel file is published for 95632 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

No ZIP is too small to score: 95632 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 25/100 composite is a like-for-like number rather than an isolated estimate. Every figure is auditable to a public dataset and refreshed on ingest; 95632 shows blanks, not estimates, wherever the record is sparse.

95632's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. In workflow terms, 95632 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.