ZIP 95665 Foreclosure, Tax-Lien & Distress Report

ZIP 95665's composite property-distress score is 19/100 - DLRadar classes that as low for Amador County, California. What sets it apart are the readings on construction/permit lag (68/100), structural risk (41/100), mortgage stress (4/100). By contrast, mortgage stress (4/100) and institutional ownership (3/100) register low. Environmental exposure also runs high (climate & FEMA risk (79/100)). Structural exposure scores 41 and live distress 1 on the 0–100 scale.

The contraction-phase market in 95665 posted values that held roughly flat over the year, and 5% higher over three years (phase confidence 17/100). Falling values surface more motivated sellers and below-market exits.

Around 67% of renters are cost-burdened. On demographic stress specifically, 95665 scores 37/100. Around 22% of adults hold a bachelor's degree or higher. The typical home is worth about $418,900 (5.1× income). Households earn a median $72,381 — near the roughly $78,000 national figure. Owners hold 86% of homes, renters 14%. 4,903 residents call 95665 home, typically aged 52. The vacancy rate is 8.5%. 6.3% of residents fall below the poverty threshold. The ZIP holds roughly 2,205 housing units.

On the whole, 95665 leans distressed, with opportunity clustered in specific stressed parcels. Parcel-level detail for 95665 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

Whether 95665 runs hot or quiet, its 19/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 95665 can be compared directly against any other ZIP in Amador County, California or nationwide. Sparse data for 95665 shows as blanks, never estimates, and the score updates on every fresh public filing.

The 19/100 figure for 95665 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 95665 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.