ZIP 95820 Foreclosure, Tax-Lien & Distress Report
Sacramento County, California · Cooling Market market
ZIP code 95820 in Sacramento County, California carries a composite property-distress score of 26/100 — a low reading on DLRadar's deterministic public-record index. Latent structural risk is 58/100 while live distress already moving reads 2/100. It additionally carries heavy environmental risk: climate & FEMA risk (98/100), flood (NFIP) exposure (83/100). The pressure is most legible in 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.
The market reads contraction — home values held roughly flat year on year, and 3% higher over three years (phase confidence 12/100). Softening prices widen the spread between distressed and market value — what acquisition buyers watch for.
The vacancy rate is 4.0%. Households earn a median $69,905 — near the roughly $78,000 national figure. The ZIP holds roughly 14,136 housing units. On demographic stress specifically, 95820 scores 40/100. 57% of housing is owner-occupied. Around 28% of adults hold a bachelor's degree or higher. Home values center near $416,900, an affordability ratio of 5.6×. Roughly 17.2% live below the poverty line, elevated and often tied to deferred-maintenance inventory. 35,359 residents call 95820 home, typically aged 36. Rent burden reaches 45% of tenant households.
Taken together, 95820 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Parcel-level detail for 95820 is not published yet -- the ZIP-level readings above remain fully sourced to public records.
Big metro or rural, 95820 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. Sparse data for 95820 shows as blanks, never estimates, and the score updates on every fresh public filing.
95820'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. In workflow terms, 95820 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.
Distress signal breakdown — ZIP 95820
Delinquency on tax, investor concentration, insurance pressure, NFIP flood, lagging construction, price dislocation and sale velocity — and the 0 individual distressed properties come with owner, address, APN, an individual score and an exit read in the complete report.
ZIP 95820 Stress Report snapshot
The live 95820 panel — distress score, market phase, housing and bank pressure — as attached to every individual property.
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