ZIP 95864 Foreclosure, Tax-Lien & Distress Report
Sacramento County, California · Cooling Market market
ZIP 95864's composite property-distress score is 26/100 - DLRadar classes that as low for Sacramento County, California. On the structural side it scores 59/100, with 2/100 of stress already active. Property-level stress concentrates in structural risk (59/100), construction/permit lag (55/100), institutional ownership (19/100). By contrast, institutional ownership (19/100) and mortgage stress (7/100) register low. Environmental exposure also runs high (climate & FEMA risk (98/100), flood (NFIP) exposure (83/100)).
Prices here sit in a contraction phase: values held roughly flat over the trailing year, and 8% higher over three years, at 12/100 phase confidence. A cooling market tends to open discount-to-value windows.
25,137 residents call 95864 home, typically aged 44. Households earn a median $129,083 — above the roughly $78,000 national figure. The tenure split is 75% owner-occupied to 25% rented. Around 58% of adults hold a bachelor's degree or higher. There are about 10,530 housing units across 95864. Around 46% of renters are cost-burdened. Vacancy runs 4.0%. DLRadar's demographic-stress index for the area reads 34/100. A median home runs $810,400 here, or 6.0 times local income. Roughly 7.9% live below the poverty line.
Taken together, 95864 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.
Whether 95864 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 95864 can be compared directly against any other ZIP in Sacramento County, California or nationwide. Where the record is thin for 95864, the field stays empty rather than modeled, and fills in as new documents post.
95864's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. For a buyer, 95864 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.
Distress signal breakdown — ZIP 95864
Tax-delinquent parcels, institutional ownership, insurance strain, flood risk, construction lag, price dislocation and auction speed — plus the 0 individual distressed properties (owner, address, APN, per-property score and exit read) are in the full DLRadar report.
The 95864 distress snapshot
Real-time distress, cycle phase, housing and bank-stress readings for 95864, the same set carried on every parcel.
Other Sacramento County ZIP codes
Nearest ZIP codes to 95864
By straight-line distance between ZIP centers — the surrounding market, whichever county or state line it crosses.
Explore related distress reports
Other reports tied to Sacramento County, California — ZIP, county and statewide.
The complete 95864 distress and acquisition report
The full 95864 file lists each distressed parcel with owner, address, APN, per-property score, bank exposure and exit-velocity read, and carries it straight through to owner and lender records. Refreshed continuously.
No modelling: every input is a public record · methodology