ZIP 95651 Property Distress & Foreclosure Data

El Dorado County, California's ZIP 95651 registers 20/100 composite distress, which DLRadar reads as low. Climate and flood risk are elevated too — climate & FEMA risk (92/100). The most distinctive pressure shows up 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. Structural risk reads 43/100 against active distress of 1/100.

Prices here sit in a peak phase: values rose 1.0% over the trailing year, and 31% higher over three years, at 18/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

A median home runs $597,200 here. Vacancy runs 8.0%. About 27% have a four-year degree. There are about 305 housing units across 95651. The tenure split is 61% owner-occupied to 39% rented. Roughly 6.4% live below the poverty line, a low share typical of higher-equity areas. Rent burden reaches 54% of tenant households. 623 residents call 95651 home, typically aged 45. On demographic stress specifically, 95651 scores 32/100.

Overall, 95651 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.