ZIP 95635 Property Distress & Foreclosure Data

In El Dorado County, California, ZIP 95635 scores 20 of 100 for composite distress, a low level on DLRadar's public-record index. Structural exposure scores 43 and live distress 1 on the 0–100 scale. Environmental exposure also runs high (climate & FEMA risk (92/100)). Its standout 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 95635 posted values that rose 1.0% over the year, and 20% higher over three years, at 18/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Population is roughly 1,424 with a median age of 54. Home values center near $485,200, an affordability ratio of 5.9×. There are about 503 housing units across 95635. Median household income is $81,136, near the U.S. median near $78,000. Educational attainment sits at 18% bachelor's-or-above. DLRadar's demographic-stress index for the area reads 44/100. Owners hold 93% of homes, renters 7%. Rent burden reaches 100% of tenant households. Vacancy runs 7.2%. 6.9% of residents fall below the poverty threshold.

On balance 95635 is mixed, rewarding parcel-by-parcel screening over broad assumptions. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.