ZIP 95966 Foreclosure, Tax-Lien & Distress Report

Butte County, California's ZIP 95966 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 (90/100), FEMA disaster exposure (75/100). The latent-versus-live split is 73/100 structural and 7/100 already moving. Its heaviest discrete signals: structural risk (73/100), institutional ownership (61/100), construction/permit lag (47/100). By contrast, mortgage stress (24/100) register low.

The market reads contraction — home values fell 2.3% year on year, 2.4% off the recent peak, and 2% lower over three years, at 42/100 phase confidence. A cooling market tends to open discount-to-value windows.

The vacancy rate is 15.2% — elevated. Population is roughly 29,335 with a median age of 43. The poverty rate is 17.4% — high, a tax-stress and distress correlate. Around 50% of renters are cost-burdened. There are about 13,755 housing units across 95966. About 17% have a four-year degree. DLRadar's demographic-stress index for the area reads 38/100. The typical home is worth about $333,100 (4.8× income). At $63,948, median income runs below typical U.S. levels. The tenure split is 75% owner-occupied to 25% rented.

Taken together, 95966 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Parcel-level detail for 95966 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

No ZIP is too small to score: 95966 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 33/100 composite is a like-for-like number rather than an isolated estimate. Nothing here is interpolated — where a source is thin for 95966, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

Each component behind 95966 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 33/100 roll-up. For a buyer, 95966 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.