ZIP 95684 Property Distress & Foreclosure Data

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. Climate and flood risk are elevated too — climate & FEMA risk (92/100). What sets it apart are the readings on 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 5% lower 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 $621,700 here, or 6.6 times local income. Households earn a median $78,163 — near the roughly $78,000 national figure. The tenure split is 80% owner-occupied to 21% rented. There are about 1,530 housing units across 95684. 2,637 residents call 95684 home, typically aged 60. Vacancy runs 14.0%, above the national norm and a classic distress-and-opportunity signal. On demographic stress specifically, 95684 scores 40/100. About 31% have a four-year degree. Roughly 11.1% live below the poverty line. Rent burden reaches 52% of tenant households.

Taken together, 95684 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.