ZIP 95685 Property Distress & Foreclosure Data

In Amador County, California, ZIP 95685 scores 18 of 100 for composite distress, a low level on DLRadar's public-record index. It additionally carries heavy environmental risk: climate & FEMA risk (79/100). The latent-versus-live split is 40/100 structural and 1/100 already moving. Its standout signals are construction/permit lag (63/100), structural risk (40/100), mortgage stress (4/100). By contrast, mortgage stress (4/100) and institutional ownership (3/100) register low.

The market reads peak — home values rose 1.5% year on year, and 3% higher over three years (phase confidence 21/100). Topping markets hide individual distress behind strong averages.

At $64,506, median income runs below typical U.S. levels. The typical home is worth about $569,100 (8.5× income, severely stretched). Around 32% of renters are cost-burdened. The demographic-stress sub-score lands at 44/100. The poverty rate is 8.9%. Around 29% of adults hold a bachelor's degree or higher. The ZIP holds roughly 2,447 housing units. 67% of housing is owner-occupied. The vacancy rate is 11.0%. About 4,611 people live here, median age 58.

Net-net, 95685 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.