ZIP 95651 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 95651 (El Dorado County, California) lands at 20/100 — low on DLRadar's public-record scoring. Environmental exposure also runs high (climate & FEMA risk (92/100)). The most distinctive pressure shows up in construction/permit lag (49/100), structural risk (43/100), mortgage stress (5/100). mortgage stress (5/100) and institutional ownership (5/100) stay muted. The split runs 43/100 structural to 1/100 active on the ground.

Prices here sit in a contraction phase: values held roughly flat over the trailing year, and 31% higher over three years, at 12/100 phase confidence. Softening prices widen the spread between distressed and market value — what acquisition buyers watch for.

A median home runs $597,200 here. The vacancy rate is 8.0%. About 27% have a four-year degree. The ZIP holds roughly 305 housing units. 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. About 623 people live here, median age 45. On demographic stress specifically, 95651 scores 32/100.

Net-net, 95651 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. There is no property file for 95651 at the moment; the composite and its components are still built from verifiable public records.

The 95651 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 95651 stays directly comparable to neighboring ZIPs and the rest of El Dorado County, California. Where the public record is thin for 95651, the field stays empty rather than modeled, and fills in as new documents post.

95651's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. In workflow terms, 95651 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.