ZIP 95685 Foreclosure, Tax-Lien & Distress Report

Amador County, California's ZIP 95685 registers 19/100 composite distress, which DLRadar reads as low. It additionally carries heavy environmental risk: climate & FEMA risk (79/100). Structural risk reads 41/100 against active distress of 1/100. Its standout signals are construction/permit lag (68/100), structural risk (41/100), mortgage stress (4/100). On the quiet end sit mortgage stress (4/100) and institutional ownership (3/100).

The contraction-phase market in 95685 posted values that held roughly flat over the year, and 3% higher over three years (phase confidence 17/100). Softening prices widen the spread between distressed and market value — what acquisition buyers watch for.

At $64,506, median income runs below typical U.S. levels. Home values center near $569,100, an affordability ratio of 8.5× — stretched. Around 32% of renters are cost-burdened. On demographic stress specifically, 95685 scores 44/100. Roughly 8.9% live below the poverty line. About 29% have a four-year degree. There are about 2,447 housing units across 95685. The tenure split is 67% owner-occupied to 33% rented. The vacancy rate is 11.0%. About 4,611 people live here, median age 58.

Taken together, 95685 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. No parcel file is published for 95685 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

The 95685 read uses the identical public-record model applied coast to coast, which means its 19/100 score means exactly what it means anywhere else, and 95685 stays directly comparable to neighboring ZIPs and the rest of Amador County, California. Where the public record is thin for 95685, the field stays empty rather than modeled, and fills in as new documents post.

The 19/100 for 95685 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. For an operator, 95685 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.