ZIP 95821 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 95821 (Sacramento County, California) returns a low composite of 26/100. The sharpest non-environmental signals are structural risk (58/100), construction/permit lag (48/100), institutional ownership (19/100). On the quiet end sit institutional ownership (19/100) and mortgage stress (7/100). Structural exposure scores 58 and live distress 2 on the 0–100 scale. Climate and flood risk are elevated too — climate & FEMA risk (98/100), flood (NFIP) exposure (83/100).

The contraction-phase market in 95821 posted values that held roughly flat over the year, and 6% higher over three years (phase confidence 12/100). Softening prices widen the spread between distressed and market value — what acquisition buyers watch for.

Owners hold 48% of homes, renters 52%. Rent burden reaches 62% of tenant households. Vacancy runs 4.5%. There are about 16,427 housing units across 95821. At $58,331, median income runs below typical U.S. levels. The typical home is worth about $496,500 (8.1× income, severely stretched). Roughly 19.5% live below the poverty line, elevated and often tied to deferred-maintenance inventory. On demographic stress specifically, 95821 scores 51/100. Educational attainment sits at 28% bachelor's-or-above. Population is roughly 38,372 with a median age of 38.

Taken together, 95821 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. 95821 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

Whether 95821 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 95821 can be compared directly against any other ZIP in Sacramento County, California or nationwide. 95821 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

The 26/100 figure for 95821 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. For a buyer, 95821 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.