ZIP 95686 Foreclosure, Tax-Lien & Distress Report
San Joaquin County, California · High Poverty market
On DLRadar's 0-100 public-record scale, ZIP 95686 in San Joaquin County, California comes in at 24, a low composite-distress reading. Latent structural risk is 53/100 while live distress already moving reads 1/100. The sharpest non-environmental signals are construction/permit lag (75/100), structural risk (53/100), institutional ownership (7/100). By contrast, institutional ownership (7/100) and mortgage stress (4/100) register low. It additionally carries heavy environmental risk: climate & FEMA risk (99/100).
The market reads contraction — home values fell 2.5% year on year, 2.7% off the recent peak (phase confidence 36/100). A cooling market tends to open discount-to-value windows.
There are about 429 housing units across 95686. Home values center near $448,900, an affordability ratio of 9.9× — stretched. Vacancy runs 7.8%. DLRadar's demographic-stress index for the area reads 55/100. 1,123 residents call 95686 home, typically aged 34. Educational attainment sits at 11% bachelor's-or-above. The poverty rate is 30.7% — high, a tax-stress and distress correlate. Median household income is $43,482, below the U.S. median near $78,000. Owners hold 52% of homes, renters 48%. Rent burden reaches 25% of tenant households.
On the whole, 95686 leans distressed, with opportunity clustered in specific stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.
Because one deterministic model scores every ZIP, 95686's 24/100 can be lined up against any neighbor in San Joaquin County, California or any ZIP coast to coast. Where the public record is thin for 95686, the field stays empty rather than modeled, and fills in as new documents post.
The 24/100 for 95686 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. In workflow terms, 95686 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.
Signal-by-signal read on 95686
Delinquent tax, institutional holdings, insurance strain, flood/NFIP exposure, build-out lag, price dislocation and auction pace — along with the 0 individual distressed properties come with owner, address, APN, an individual score and an exit read in the complete report.
95686 at a glance
95686 live: composite distress, market phase, housing detail and lender pressure, identical to the per-property report.
San Joaquin County ZIPs near 95686
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The complete 95686 distress and acquisition report
The full 95686 file lists each distressed parcel with owner, address, APN, per-property score, bank exposure and exit-velocity read, and carries it straight through funding and closing. Refreshed continuously.
Rules-based scoring — each signal ties to a public dataset · methodology