ZIP 95823 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 95823 (Sacramento County, California) lands at 26/100 — low on DLRadar's distress scoring. What sets it apart are the readings on 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). Structural exposure scores 59 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 95823 posted values that held roughly flat over the year, and 5% higher over three years (phase confidence 12/100). Softening prices widen the spread between distressed and market value — what acquisition buyers watch for.

Around 51% of renters are cost-burdened. About 83,254 people live here, median age 33. There are about 25,255 housing units across 95823. About 16% have a four-year degree. Vacancy runs 3.5%. The demographic-stress sub-score lands at 45/100. At $63,701, median income runs below typical U.S. levels. The typical home is worth about $401,500 (5.8× income). Roughly 18.6% live below the poverty line, elevated and often tied to deferred-maintenance inventory. Owners hold 46% of homes, renters 54%.

Net-net, 95823 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Parcel-level detail for 95823 is not published yet -- the ZIP-level readings above remain fully sourced.

No ZIP is too small to score: 95823 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 26/100 composite is a like-for-like number rather than an isolated estimate. Where the record is thin for 95823, the field stays empty rather than modeled, and fills in as new documents post.

95823'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 an operator, 95823 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.