ZIP 95689 Property Distress & Foreclosure Data

ZIP code 95689 in Amador County, California carries a composite property-distress score of 18/100 — a low reading on DLRadar's deterministic public-record index. What sets it apart are the readings on construction/permit lag (63/100), structural risk (40/100), mortgage stress (4/100). On the quiet end sit mortgage stress (4/100) and institutional ownership (3/100). Environmental exposure also runs high (climate & FEMA risk (79/100)). The latent-versus-live split is 40/100 structural and 1/100 already moving.

The peak-phase market in 95689 posted values that rose 1.5% over the year, and 5% lower over three years (phase confidence 21/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Median household income is $107,500, above the U.S. median near $78,000. DLRadar's demographic-stress index for the area reads 40/100. The vacancy rate is 34.0% — elevated. Around 100% of renters are cost-burdened. 6.7% of residents fall below the poverty threshold. The ZIP holds roughly 825 housing units. Home values center near $454,400, an affordability ratio of 3.8× — accessible. Population is roughly 1,065 with a median age of 60. Educational attainment sits at 32% bachelor's-or-above. Owners hold 85% of homes, renters 15%.

On the whole, 95689 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.