ZIP 95831 Foreclosure, Tax-Lien & Distress Report

In Sacramento County, California, ZIP 95831 scores 26 of 100 for composite distress, a low level on DLRadar's public-record index. It additionally carries heavy environmental risk: 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. The split runs 58/100 structural to 2/100 active on the ground.

Prices here sit in a contraction phase: values held roughly flat over the trailing year, and 8% higher over three years (phase confidence 12/100). A cooling market tends to open discount-to-value windows.

The ZIP holds roughly 20,038 housing units. At $96,509, median income runs above typical U.S. levels. Population is roughly 44,366 with a median age of 41. Around 42% of renters are cost-burdened. The typical home is worth about $642,700 (6.4× income). Around 51% of adults hold a bachelor's degree or higher. 57% of housing is owner-occupied. On demographic stress specifically, 95831 scores 38/100. Vacancy runs 4.5%. Roughly 10.5% live below the poverty line.

Taken together, 95831 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

No ZIP is too small to score: 95831 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. 95831 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

95831'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. Treat 95831 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.