ZIP 95991 Property Distress & Foreclosure Data

In Sutter County, California, ZIP 95991 scores 23 of 100 for composite distress, a low level on DLRadar's public-record index. Its standout signals are structural risk (50/100), institutional ownership (44/100), mortgage stress (16/100). By contrast, mortgage stress (16/100) register low. On the structural side it scores 50/100, with 5/100 of stress already active. It additionally carries heavy environmental risk: climate & FEMA risk (83/100), flood (NFIP) exposure (75/100).

The market reads contraction — home values fell 0.6% year on year, and 5% higher over three years (phase confidence 27/100). A cooling market tends to open discount-to-value windows.

At $64,853, median income runs below typical U.S. levels. The demographic-stress sub-score lands at 42/100. The poverty rate is 18.3% — high, a tax-stress and distress correlate. 48% of housing is owner-occupied. Around 46% of renters are cost-burdened. Around 17% of adults hold a bachelor's degree or higher. About 42,490 people live here, median age 34. The typical home is worth about $406,800 (5.7× income). The ZIP holds roughly 15,358 housing units. The vacancy rate is 3.9%.

Net-net, 95991 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.