ZIP 95684 Foreclosure, Tax-Lien & Distress Report

ZIP code 95684 in El Dorado County, California carries a composite property-distress score of 20/100 — a low reading on DLRadar's deterministic public-record index. It additionally carries heavy environmental risk: climate & FEMA risk (92/100). Property-level stress concentrates in construction/permit lag (49/100), structural risk (43/100), mortgage stress (5/100). On the quiet end sit mortgage stress (5/100) and institutional ownership (5/100). Latent structural risk is 43/100 while live distress already moving reads 1/100.

Prices here sit in a contraction phase: values held roughly flat over the trailing year, and 5% lower 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 $621,700 here, or 6.6 times local income. Median household income is $78,163, near the U.S. median near $78,000. Owners hold 80% of homes, renters 21%. The ZIP holds roughly 1,530 housing units. Population is roughly 2,637 with a median age of 60. The vacancy rate is 14.0% — elevated. On demographic stress specifically, 95684 scores 40/100. Educational attainment sits at 31% bachelor's-or-above. 11.1% of residents fall below the poverty threshold. Rent burden reaches 52% of tenant households.

Net-net, 95684 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. No parcel file is published for 95684 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

Big metro or rural, 95684 runs through one identical public-record model, so its 20/100 sits on the same scale as every other ZIP in El Dorado County, California and the nation. Every figure is auditable to a public dataset and refreshed on ingest; 95684 shows blanks, not estimates, wherever the record is sparse.

Behind 95684'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 95684 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.