ZIP 95636 Property Distress & Foreclosure Data

DLRadar grades ZIP 95636 (El Dorado County, California) at a low 20/100 for overall property distress. Property-level stress concentrates in construction/permit lag (61/100), structural risk (43/100), mortgage stress (5/100). mortgage stress (5/100) and institutional ownership (3/100) stay muted. Climate and flood risk are elevated too — climate & FEMA risk (92/100). On the structural side it scores 43/100, with 1/100 of stress already active.

Prices here sit in a peak phase: values rose 1.0% over the trailing year, and 15% higher over three years (phase confidence 18/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Roughly 0.0% live below the poverty line, a low share typical of higher-equity areas. 1,387 residents call 95636 home, typically aged 44. The ZIP holds roughly 603 housing units. Around 100% of renters are cost-burdened. The vacancy rate is 17.7% — elevated. About 29% have a four-year degree. Households earn a median $89,705 — above the roughly $78,000 national figure. On demographic stress specifically, 95636 scores 38/100. The tenure split is 92% owner-occupied to 8% rented. A median home runs $384,400 here, or 4.1 times local income.

Taken together, 95636 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.