ZIP 95991 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 95991 (Sutter County, California) lands at 22/100 — low on DLRadar's distress scoring. Its standout signals are 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). The latent-versus-live split is 47/100 structural and 5/100 already moving. It additionally carries heavy environmental risk: climate & FEMA risk (83/100), flood (NFIP) exposure (73/100).

Prices here sit in a peak phase: values rose 0.6% over the trailing year, 2.0% off the recent peak, and 5% higher over three years (phase confidence 8/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Median household income is $64,853, below the U.S. median near $78,000. DLRadar's demographic-stress index for the area reads 42/100. The poverty rate is 18.3% — high, a tax-stress and distress correlate. The tenure split is 48% owner-occupied to 52% rented. Rent burden reaches 46% of tenant households. Educational attainment sits at 17% bachelor's-or-above. 42,490 residents call 95991 home, typically aged 34. The typical home is worth about $406,800 (5.7× income). The ZIP holds roughly 15,358 housing units. Vacancy runs 3.9%.

Overall, 95991 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. Parcel-level detail for 95991 is not published yet -- the ZIP-level readings above remain fully sourced.

The number is not local guesswork: 95991's 22/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. The score is rebuilt from public data as it updates, so 95991 reflects the current record instead of a stale or modeled snapshot.

Behind 95991's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. In workflow terms, 95991 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.