ZIP 95635 Foreclosure, Tax-Lien & Distress Report
El Dorado County, California · Cooling Market market
DLRadar grades ZIP 95635 (El Dorado County, California) at a low 20/100 for overall property distress. The latent-versus-live split is 43/100 structural and 1/100 already moving. Environmental exposure also runs high (climate & FEMA risk (92/100)). The pressure is most legible in 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.
The market reads contraction — home values held roughly flat year on year, and 20% higher over three years (phase confidence 12/100). A cooling market tends to open discount-to-value windows.
About 1,424 people live here, median age 54. A median home runs $485,200 here, or 5.9 times local income. The ZIP holds roughly 503 housing units. Median household income is $81,136, near the U.S. median near $78,000. Around 18% of adults hold a bachelor's degree or higher. The demographic-stress sub-score lands at 44/100. 93% of housing is owner-occupied. Around 100% of renters are cost-burdened. The vacancy rate is 7.2%. The poverty rate is 6.9% — low.
Taken together, 95635 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. While 95635 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.
The 95635 read uses the identical public-record model applied coast to coast, which means its 20/100 score means exactly what it means anywhere else, and 95635 stays directly comparable to neighboring ZIPs and the rest of El Dorado County, California. Every figure is auditable to a public dataset and refreshed on ingest; 95635 shows blanks, not estimates, wherever the record is sparse.
95635'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. Practically, 95635 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.
Signal-by-signal read on 95635
Tax delinquency, institutional ownership, insurance pressure, NFIP/flood, construction lag, price dislocation and auction velocity — plus the 0 individual distressed properties (owner, address, APN, per-property score and exit read) are in the full DLRadar report.
The 95635 distress snapshot
Real-time distress, cycle phase, housing and bank-stress readings for 95635, the same set carried on every parcel.
Adjacent El Dorado County ZIP reports
More distress data near 95635
Related ZIP, county and statewide reads linked to El Dorado County, California.
Open the complete 95635 acquisition file
The full 95635 file lists each distressed parcel with owner, address, APN, per-property score, bank exposure and exit-velocity read, and carries it straight through funding and closing. Refreshed continuously.
Deterministic scoring, sourced entirely from public data · methodology