ZIP 95634 Foreclosure, Tax-Lien & Distress Report

In El Dorado County, California, ZIP 95634 scores 20 of 100 for composite distress, a low level on DLRadar's public-record index. Its standout signals are construction/permit lag (49/100), structural risk (43/100), mortgage stress (5/100). By contrast, mortgage stress (5/100) and institutional ownership (5/100) register low. It additionally carries heavy environmental risk: climate & FEMA risk (92/100). On the structural side it scores 43/100, with 1/100 of stress already active.

The market reads contraction — home values held roughly flat year on year, and 4% lower over three years (phase confidence 12/100). Softening prices widen the spread between distressed and market value — what acquisition buyers watch for.

77% of housing is owner-occupied. The typical home is worth about $361,300 (4.9× income). Vacancy runs 17.0%, above the national norm and a classic distress-and-opportunity signal. Around 54% of renters are cost-burdened. Median household income is $67,900, below the U.S. median near $78,000. About 24% have a four-year degree. 8.6% of residents fall below the poverty threshold. Population is roughly 3,792 with a median age of 55. DLRadar's demographic-stress index for the area reads 36/100. There are about 1,993 housing units across 95634.

Net-net, 95634 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. 95634 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

Whether 95634 runs hot or quiet, its 20/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 95634 can be compared directly against any other ZIP in El Dorado County, California or nationwide. 95634 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

Each component behind 95634 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 20/100 roll-up. For an operator, 95634 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.