ZIP 95636 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 95636 (El Dorado County, California) lands at 20/100 — low on DLRadar's public-record scoring. Leading the profile are construction/permit lag (49/100), structural risk (43/100), mortgage stress (5/100). mortgage stress (5/100) and institutional ownership (5/100) stay muted. 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.

Prices here sit in a contraction phase: values held roughly flat over the trailing year, and 15% higher over three years, at 12/100 phase confidence. Falling values surface more motivated sellers and below-market exits.

The poverty rate is 0.0% — low. 1,387 residents call 95636 home, typically aged 44. There are about 603 housing units across 95636. Rent burden reaches 100% of tenant households. The vacancy rate is 17.7% — elevated. Around 29% of adults hold a bachelor's degree or higher. At $89,705, median income runs above typical U.S. levels. On demographic stress specifically, 95636 scores 38/100. 92% of housing is owner-occupied. A median home runs $384,400 here, or 4.1 times local income.

Net-net, 95636 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. No parcel file is published for 95636 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

The 95636 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 95636 stays directly comparable to neighboring ZIPs and the rest of El Dorado County, California. The score is rebuilt from public data as it updates, so 95636 reflects the current record instead of a stale or modeled snapshot.

The 20/100 for 95636 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. For an operator, 95636 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.