ZIP 95965 Foreclosure, Tax-Lien & Distress Report

Butte County, California's ZIP 95965 registers 33/100 composite distress, which DLRadar reads as moderate. Climate and flood risk are elevated too — climate & FEMA risk (93/100), flood (NFIP) exposure (91/100), FEMA disaster exposure (78/100). The pressure is most legible in structural risk (73/100), institutional ownership (62/100), construction/permit lag (46/100). mortgage stress (25/100) stay muted. Structurally it carries 73/100, against 7/100 of stress already in motion.

The market reads contraction — home values fell 2.4% year on year, 2.4% off the recent peak, and 5% higher over three years, at 43/100 phase confidence. Falling values surface more motivated sellers and below-market exits.

Population is roughly 20,854 with a median age of 36. The vacancy rate is 8.0%. Home values center near $308,500, an affordability ratio of 5.5×. Households earn a median $53,367 — below the roughly $78,000 national figure. The tenure split is 61% owner-occupied to 39% rented. Educational attainment sits at 16% bachelor's-or-above. There are about 8,067 housing units across 95965. Rent burden reaches 47% of tenant households. Roughly 20.6% live below the poverty line, elevated and often tied to deferred-maintenance inventory. On demographic stress specifically, 95965 scores 42/100.

Net-net, 95965 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. There is no property file for 95965 at the moment; the composite and its components are still built from verifiable public records.

Whether 95965 runs hot or quiet, its 33/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 95965 can be compared directly against any other ZIP in Butte County, California or nationwide. Nothing here is interpolated — where a source is thin for 95965, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

The 33/100 figure for 95965 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. In workflow terms, 95965 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.