ZIP 95640 Foreclosure, Tax-Lien & Distress Report

In Amador County, California, ZIP 95640 scores 19 of 100 for composite distress, a low level on DLRadar's distress index. The latent-versus-live split is 41/100 structural and 1/100 already moving. Environmental exposure also runs high (climate & FEMA risk (79/100)). The most distinctive pressure shows up in construction/permit lag (65/100), structural risk (41/100), mortgage stress (4/100). By contrast, mortgage stress (4/100) and institutional ownership (3/100) register low.

Prices here sit in a contraction phase: values held roughly flat over the trailing year, and 4% higher over three years, at 17/100 phase confidence. Softening prices widen the spread between distressed and market value — what acquisition buyers watch for.

12,811 residents call 95640 home, typically aged 41. The tenure split is 81% owner-occupied to 19% rented. The ZIP holds roughly 4,305 housing units. Vacancy runs 4.5%. A median home runs $450,500 here, or 4.6 times local income. DLRadar's demographic-stress index for the area reads 29/100. Rent burden reaches 18% of tenant households. Around 16% of adults hold a bachelor's degree or higher. Median household income is $94,045, above the U.S. median near $78,000. The poverty rate is 6.3% — low.

Taken together, 95640 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. There is no property file for 95640 at the moment; the composite and its components are still built from verifiable records.

Big metro or rural, 95640 runs through one identical scoring model, so its 19/100 sits on the same scale as every other ZIP in Amador County, California and the nation. Where the record is thin for 95640, the field stays empty rather than modeled, and fills in as new documents post.

The 19/100 figure for 95640 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. Treat 95640 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.