ZIP 95982 Foreclosure, Tax-Lien & Distress Report

On DLRadar's 0-100 distress scale, ZIP 95982 in Sutter County, California comes in at 22, a low composite-distress reading. Property-level stress concentrates in structural risk (47/100), institutional ownership (38/100), mortgage stress (16/100). On the quiet end sit institutional ownership (38/100) and mortgage stress (16/100). Environmental exposure also runs high (climate & FEMA risk (83/100), flood (NFIP) exposure (73/100)). Structural exposure scores 47 and live distress 5 on the 0–100 scale.

The market reads peak — home values rose 0.6% year on year, 2.0% off the recent peak, and 5% higher over three years (phase confidence 8/100). Topping markets hide individual distress behind strong averages.

Median household income is $96,786, above the U.S. median near $78,000. On demographic stress specifically, 95982 scores 27/100. The vacancy rate is 2.6%. About 2,971 people live here, median age 41. Around 23% of renters are cost-burdened. The ZIP holds roughly 1,173 housing units. The poverty rate is 3.6% — low. The tenure split is 79% owner-occupied to 21% rented. Around 22% of adults hold a bachelor's degree or higher. Home values center near $417,000, an affordability ratio of 3.9× — accessible.

Net-net, 95982 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. No parcel file is published for 95982 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

No ZIP is too small to score: 95982 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 22/100 composite is a like-for-like number rather than an isolated estimate. The score is rebuilt from public data as it updates, so 95982 reflects the current record instead of a stale or modeled snapshot.

Each component behind 95982 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 22/100 roll-up. In workflow terms, 95982 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.