ZIP 95816 Foreclosure, Tax-Lien & Distress Report

On DLRadar's 0-100 public-record scale, ZIP 95816 in Sacramento County, California comes in at 26, a low composite-distress reading. The most distinctive pressure shows up in structural risk (58/100), construction/permit lag (48/100), institutional ownership (19/100). institutional ownership (19/100) and mortgage stress (7/100) stay muted. Latent structural risk is 58/100 while live distress already moving reads 2/100. Climate and flood risk are elevated too — climate & FEMA risk (98/100), flood (NFIP) exposure (83/100).

The market reads contraction — home values held roughly flat year on year, and 6% higher over three years, at 12/100 phase confidence. Softening prices widen the spread between distressed and market value — what acquisition buyers watch for.

At $90,521, median income runs above typical U.S. levels. The poverty rate is 9.4%. Rent burden reaches 32% of tenant households. 30% of housing is owner-occupied. The ZIP holds roughly 11,694 housing units. The demographic-stress sub-score lands at 44/100. Home values center near $839,700, an affordability ratio of 8.7× — stretched. Vacancy runs 4.0%. Educational attainment sits at 65% bachelor's-or-above. 19,079 residents call 95816 home, typically aged 36.

Taken together, 95816 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. While 95816 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

Whether 95816 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 95816 can be compared directly against any other ZIP in Sacramento County, California or nationwide. The score is rebuilt from public data as it updates, so 95816 reflects the current record instead of a stale or modeled snapshot.

Behind 95816's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. Practically, 95816 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.