ZIP 95977 Foreclosure, Tax-Lien & Distress Report

ZIP 95977's composite property-distress score is 22/100 - DLRadar classes that as low for Yuba County, California. Its standout signals are construction/permit lag (66/100), structural risk (50/100), institutional ownership (10/100). By contrast, institutional ownership (10/100) and mortgage stress (6/100) register low. It additionally carries heavy environmental risk: climate & FEMA risk (85/100). The split runs 50/100 structural to 2/100 active on the ground.

The market reads peak — home values rose 0.5% year on year, 1.3% off the recent peak, and 12% lower over three years, at 9/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Median household income is $100,909, above the U.S. median near $78,000. The poverty rate is 9.6%. Around 0% of renters are cost-burdened. The vacancy rate is 15.2% — elevated. About 1,738 people live here, median age 43. The tenure split is 98% owner-occupied to 2% rented. There are about 830 housing units across 95977. DLRadar's demographic-stress index for the area reads 26/100. Around 18% of adults hold a bachelor's degree or higher. The typical home is worth about $441,700 (4.4× income).

Taken together, 95977 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. There is no property file for 95977 at the moment; the composite and its components are still built from verifiable records.

Whether 95977 runs hot or quiet, its 22/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 95977 can be compared directly against any other ZIP in Yuba County, California or nationwide. Where the record is thin for 95977, the field stays empty rather than modeled, and fills in as new documents post.

The 22/100 for 95977 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. Practically, 95977 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.