ZIP 95961 Foreclosure, Tax-Lien & Distress Report

In Yuba County, California, ZIP 95961 scores 26 of 100 for composite distress, a low level on DLRadar's public-record index. Environmental exposure also runs high (climate & FEMA risk (82/100), flood (NFIP) exposure (64/100)). Its heaviest discrete signals: construction/permit lag (85/100), structural risk (59/100), institutional ownership (15/100). On the quiet end sit institutional ownership (15/100) and mortgage stress (7/100). On the structural side it scores 59/100, with 2/100 of stress already active.

Prices here sit in a peak phase: values rose 0.6% over the trailing year, 2.0% off the recent peak, and 1% higher over three years, at 8/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

The typical home is worth about $435,500 (4.7× income). 10.2% of residents fall below the poverty threshold. The ZIP holds roughly 10,866 housing units. Around 37% of renters are cost-burdened. The tenure split is 72% owner-occupied to 28% rented. About 18% have a four-year degree. About 33,439 people live here, median age 32. On demographic stress specifically, 95961 scores 35/100. Vacancy runs 4.9%. Median household income is $85,404, near the U.S. median near $78,000.

Overall, 95961 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. Parcel-level detail for 95961 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

Whether 95961 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 95961 can be compared directly against any other ZIP in Yuba County, California or nationwide. Where the public record is thin for 95961, the field stays empty rather than modeled, and fills in as new documents post.

Behind 95961'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. Practically, 95961 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.