ZIP 95817 Foreclosure, Tax-Lien & Distress Report

In Sacramento County, California, ZIP 95817 scores 26 of 100 for composite distress, a low level on DLRadar's public-record index. On the structural side it scores 58/100, with 2/100 of stress already active. Climate and flood risk are elevated too — climate & FEMA risk (98/100), flood (NFIP) exposure (83/100). What sets it apart are the readings on structural risk (58/100), construction/permit lag (48/100), institutional ownership (19/100). By contrast, institutional ownership (19/100) and mortgage stress (7/100) register low.

Prices here sit in a contraction phase: values held roughly flat over the trailing year, and 1% lower over three years, at 12/100 phase confidence. A cooling market tends to open discount-to-value windows.

Owners hold 39% of homes, renters 61%. The typical home is worth about $543,900 (7.8× income, severely stretched). The ZIP holds roughly 7,195 housing units. About 48% have a four-year degree. About 14,123 people live here, median age 34. Around 58% of renters are cost-burdened. The vacancy rate is 5.0%. Roughly 21.2% live below the poverty line, elevated and often tied to deferred-maintenance inventory. Median household income is $64,621, below the U.S. median near $78,000. The demographic-stress sub-score lands at 48/100.

On the whole, 95817 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.

Big metro or rural, 95817 runs through one identical public-record model, so its 26/100 sits on the same scale as every other ZIP in Sacramento County, California and the nation. The score is rebuilt from public data as it updates, so 95817 reflects the current record instead of a stale or modeled snapshot.

Each component behind 95817 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 26/100 roll-up. Treat 95817 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.