ZIP 95709 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 95709 (El Dorado County, California) at a low 20/100 for overall property distress. The split runs 43/100 structural to 1/100 active on the ground. Environmental exposure also runs high (climate & FEMA risk (92/100)). The most distinctive pressure shows up in construction/permit lag (49/100), structural risk (43/100), mortgage stress (5/100). mortgage stress (5/100) and institutional ownership (5/100) stay muted.

The contraction-phase market in 95709 posted values that held roughly flat over the year, and 2% lower over three years (phase confidence 12/100). A cooling market tends to open discount-to-value windows.

Home values center near $578,700, an affordability ratio of 7.4× — stretched. Vacancy runs 6.2%. Population is roughly 5,844 with a median age of 52. Around 32% of adults hold a bachelor's degree or higher. The ZIP holds roughly 2,514 housing units. Households earn a median $79,196 — near the roughly $78,000 national figure. The demographic-stress sub-score lands at 41/100. Rent burden reaches 40% of tenant households. The tenure split is 73% owner-occupied to 27% rented. Roughly 10.2% live below the poverty line.

Net-net, 95709 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. No parcel file is published for 95709 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

The 95709 read uses the identical public-record model applied coast to coast, which means its 20/100 score means exactly what it means anywhere else, and 95709 stays directly comparable to neighboring ZIPs and the rest of El Dorado County, California. Every figure is auditable to a public dataset and refreshed on ingest; 95709 shows blanks, not estimates, wherever the record is sparse.

The 20/100 for 95709 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. Practically, 95709 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.