ZIP 95638 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 95638 (Sacramento County, California) lands at 26/100 — low on DLRadar's public-record scoring. What sets it apart are the readings on structural risk (58/100), construction/permit lag (48/100), institutional ownership (19/100). By contrast, institutional ownership (19/100) and mortgage stress (7/100) register low. Structurally it carries 58/100, against 2/100 of stress already in motion. Climate and flood risk are elevated too — climate & FEMA risk (98/100), flood (NFIP) exposure (83/100).

Prices here sit in a contraction phase: values held roughly flat over the trailing year, and 2% higher over three years, at 12/100 phase confidence. Falling values surface more motivated sellers and below-market exits.

Around 43% of renters are cost-burdened. 7.1% of residents fall below the poverty threshold. The demographic-stress sub-score lands at 39/100. The ZIP holds roughly 920 housing units. Households earn a median $92,321 — above the roughly $78,000 national figure. Educational attainment sits at 18% bachelor's-or-above. Vacancy runs 2.3%. 87% of housing is owner-occupied. 2,295 residents call 95638 home, typically aged 49. The typical home is worth about $713,600 (7.0× income).

Taken together, 95638 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. No parcel file is published for 95638 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

The 95638 read uses the identical public-record model applied coast to coast, which means its 26/100 score means exactly what it means anywhere else, and 95638 stays directly comparable to neighboring ZIPs and the rest of Sacramento County, California. The score is rebuilt from public data as it updates, so 95638 reflects the current record instead of a stale or modeled snapshot.

The 26/100 figure for 95638 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. The point of the 95638 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.