ZIP 95642 Foreclosure, Tax-Lien & Distress Report
Amador County, California · Cooling Market market
Scored purely from public records, 95642 (Amador County, California) returns a low composite of 19/100. Structural risk reads 41/100 against active distress of 1/100. It additionally carries heavy environmental risk: climate & FEMA risk (79/100). The sharpest non-environmental signals are construction/permit lag (68/100), structural risk (41/100), mortgage stress (4/100). mortgage stress (4/100) and institutional ownership (3/100) stay muted.
Prices here sit in a contraction phase: values held roughly flat over the trailing year, and 1% lower over three years (phase confidence 17/100). Falling values surface more motivated sellers and below-market exits.
About 7,350 people live here, median age 52. The vacancy rate is 11.0%. Owners hold 69% of homes, renters 31%. DLRadar's demographic-stress index for the area reads 36/100. The ZIP holds roughly 3,582 housing units. Rent burden reaches 37% of tenant households. Roughly 7.8% live below the poverty line. At $85,000, median income runs near typical U.S. levels. The typical home is worth about $456,100 (5.5× income). Educational attainment sits at 23% bachelor's-or-above.
On the whole, 95642 leans distressed, with opportunity clustered in specific stressed parcels. There is no property file for 95642 at the moment; the composite and its components are still built from verifiable public records.
No ZIP is too small to score: 95642 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 19/100 composite is a like-for-like number rather than an isolated estimate. Where the public record is thin for 95642, the field stays empty rather than modeled, and fills in as new documents post.
Behind 95642's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. Treat 95642 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.
Signal-by-signal read on 95642
Delinquency on tax, investor concentration, insurance pressure, NFIP flood, lagging construction, price dislocation and sale velocity — and the 0 individual distressed properties are broken out by owner, address, APN, per-property score and exit read inside DLRadar.
The 95642 distress snapshot
Current distress, phase, housing and lender-pressure figures for 95642, drawn from the same report attached to each property.
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Unlock the full ZIP 95642 acquisition report
Open 95642 parcel by parcel: owner, address, APN, individual distress score, lender exposure, exit-velocity estimate, and funding and closing in a single click. Updated continuously across the country.
Built from public records, scored the same way everywhere · methodology