ZIP 95815 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 95815 (Sacramento County, California) lands at 26/100 — low on DLRadar's distress scoring. Structurally it carries 59/100, against 2/100 of stress already in motion. It additionally carries heavy environmental risk: climate & FEMA risk (98/100), flood (NFIP) exposure (83/100). Property-level stress concentrates in structural risk (59/100), construction/permit lag (55/100), institutional ownership (19/100). On the quiet end sit institutional ownership (19/100) and mortgage stress (7/100).

The market reads contraction — home values held roughly flat year on year, and 8% higher over three years, at 12/100 phase confidence. Falling values surface more motivated sellers and below-market exits.

A median home runs $346,500 here, or 5.1 times local income. On demographic stress specifically, 95815 scores 43/100. Owners hold 37% of homes, renters 63%. Vacancy runs 7.5%. The ZIP holds roughly 10,603 housing units. 21.1% of residents fall below the poverty threshold. About 17% have a four-year degree. Households earn a median $58,590 — below the roughly $78,000 national figure. Population is roughly 26,511 with a median age of 34. Around 46% of renters are cost-burdened.

On the whole, 95815 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.

Whether 95815 runs hot or quiet, its 26/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 95815 can be compared directly against any other ZIP in Sacramento County, California or nationwide. 95815 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

95815'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. For a buyer, 95815 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.