ZIP 95945 Foreclosure, Tax-Lien & Distress Report

Nevada County, California's ZIP 95945 registers 18/100 composite distress, which DLRadar reads as low. Latent structural risk is 38/100 while live distress already moving reads 2/100. It additionally carries heavy environmental risk: climate & FEMA risk (89/100). The sharpest non-environmental signals are construction/permit lag (42/100), structural risk (38/100), mortgage stress (5/100). On the quiet end sit mortgage stress (5/100) and institutional ownership (3/100).

The market reads peak — home values held roughly flat year on year, and 2% higher over three years, at 12/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

27,675 residents call 95945 home, typically aged 49. The ZIP holds roughly 12,944 housing units. Owners hold 56% of homes, renters 44%. The demographic-stress sub-score lands at 48/100. The typical home is worth about $539,500 (8.1× income, severely stretched). The vacancy rate is 8.0%. Median household income is $61,068, below the U.S. median near $78,000. Around 32% of adults hold a bachelor's degree or higher. Rent burden reaches 54% of tenant households. Roughly 14.1% live below the poverty line.

Overall, 95945 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

Big metro or rural, 95945 runs through one identical public-record model, so its 18/100 sits on the same scale as every other ZIP in Nevada County, California and the nation. Where the public record is thin for 95945, the field stays empty rather than modeled, and fills in as new documents post.

Behind 95945's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. For a buyer, 95945 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.