ZIP 95634 Property Distress & Foreclosure Data

ZIP code 95634 in El Dorado County, California carries a composite property-distress score of 20/100 — a low reading on DLRadar's deterministic public-record index. What sets it apart are the readings on construction/permit lag (61/100), structural risk (43/100), mortgage stress (5/100). By contrast, mortgage stress (5/100) and institutional ownership (3/100) register low. It additionally carries heavy environmental risk: climate & FEMA risk (92/100). The latent-versus-live split is 43/100 structural and 1/100 already moving.

The market reads peak — home values rose 1.0% year on year, and 4% lower over three years (phase confidence 18/100). Topping markets hide individual distress behind strong averages.

77% of housing is owner-occupied. The typical home is worth about $361,300 (4.9× income). The vacancy rate is 17.0% — elevated. Around 54% of renters are cost-burdened. At $67,900, median income runs below typical U.S. levels. Around 24% of adults hold a bachelor's degree or higher. The poverty rate is 8.6%. About 3,792 people live here, median age 55. The demographic-stress sub-score lands at 36/100. The ZIP holds roughly 1,993 housing units.

Net-net, 95634 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.