ZIP 95689 Foreclosure, Tax-Lien & Distress Report

On DLRadar's 0-100 public-record scale, ZIP 95689 in Amador County, California comes in at 19, a low composite-distress reading. Its heaviest discrete signals: construction/permit lag (68/100), structural risk (41/100), mortgage stress (4/100). mortgage stress (4/100) and institutional ownership (3/100) stay muted. Environmental exposure also runs high (climate & FEMA risk (79/100)). Structural risk reads 41/100 against active distress of 1/100.

The contraction-phase market in 95689 posted values that held roughly flat over the year, and 5% lower over three years (phase confidence 17/100). Softening prices widen the spread between distressed and market value — what acquisition buyers watch for.

Median household income is $107,500, above the U.S. median near $78,000. On demographic stress specifically, 95689 scores 40/100. Vacancy runs 34.0%, above the national norm and a classic distress-and-opportunity signal. Around 100% of renters are cost-burdened. Roughly 6.7% live below the poverty line, a low share typical of higher-equity areas. There are about 825 housing units across 95689. Home values center near $454,400, an affordability ratio of 3.8× — accessible. 1,065 residents call 95689 home, typically aged 60. Educational attainment sits at 32% bachelor's-or-above. 85% of housing is owner-occupied.

Net-net, 95689 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

Whether 95689 runs hot or quiet, its 19/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 95689 can be compared directly against any other ZIP in Amador County, California or nationwide. Where the public record is thin for 95689, the field stays empty rather than modeled, and fills in as new documents post.

Behind 95689'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. For a buyer, 95689 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.