ZIP 95746 Foreclosure, Tax-Lien & Distress Report

ZIP code 95746 in Placer County, California carries a composite property-distress score of 25/100 — a low reading on DLRadar's deterministic public-record index. Its heaviest discrete signals: construction/permit lag (58/100), structural risk (55/100), institutional ownership (15/100). On the quiet end sit institutional ownership (15/100) and mortgage stress (8/100). On the structural side it scores 55/100, with 2/100 of stress already active. It additionally carries heavy environmental risk: climate & FEMA risk (94/100), flood (NFIP) exposure (65/100).

The market reads contraction — home values held roughly flat year on year, and 11% higher over three years (phase confidence 12/100). A cooling market tends to open discount-to-value windows.

Roughly 5.1% live below the poverty line, a low share typical of higher-equity areas. Around 49% of renters are cost-burdened. 89% of housing is owner-occupied. The demographic-stress sub-score lands at 32/100. Median household income is $182,321, above the U.S. median near $78,000. 22,549 residents call 95746 home, typically aged 48. About 61% have a four-year degree. A median home runs $1,099,500 here, or 5.8 times local income. The vacancy rate is 5.0%. The ZIP holds roughly 8,402 housing units.

Net-net, 95746 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Parcel-level detail for 95746 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

Because one deterministic model scores every ZIP, 95746's 25/100 can be lined up against any neighbor in Placer County, California or any ZIP coast to coast. Where the public record is thin for 95746, the field stays empty rather than modeled, and fills in as new documents post.

95746's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. The point of the 95746 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.