ZIP 95814 Foreclosure, Tax-Lien & Distress Report

Scored on a fixed 0-100 scale, 95814 (Sacramento County, California) returns a low composite of 26/100. What sets it apart are the readings on structural risk (59/100), construction/permit lag (55/100), institutional ownership (19/100). institutional ownership (19/100) and mortgage stress (7/100) stay muted. It additionally carries heavy environmental risk: climate & FEMA risk (98/100), flood (NFIP) exposure (83/100). Latent structural risk is 59/100 while live distress already moving reads 2/100.

Prices here sit in a contraction phase: values held roughly flat over the trailing year, and 32% higher over three years (phase confidence 12/100). Softening prices widen the spread between distressed and market value — what acquisition buyers watch for.

Households earn a median $46,637 — below the roughly $78,000 national figure. Roughly 26.9% live below the poverty line, elevated and often tied to deferred-maintenance inventory. Around 46% of renters are cost-burdened. On demographic stress specifically, 95814 scores 58/100. The ZIP holds roughly 8,266 housing units. The vacancy rate is 12.4% — elevated. Around 40% of adults hold a bachelor's degree or higher. Owners hold 10% of homes, renters 90%. The typical home is worth about $633,200 (13.3× income, severely stretched). About 12,355 people live here, median age 38.

Net-net, 95814 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. 95814 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

Big metro or rural, 95814 runs through one identical scoring model, so its 26/100 sits on the same scale as every other ZIP in Sacramento County, California and the nation. 95814 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

The 26/100 figure for 95814 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. Practically, 95814 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.