ZIP 96107 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 96107 (Mono County, California) at a minimal 13/100 for overall property distress. It additionally carries heavy environmental risk: flood (NFIP) exposure (68/100). Structurally it carries 28/100, against 5/100 of stress already in motion. Property-level stress concentrates in structural risk (28/100), mortgage stress (17/100), institutional ownership (16/100). By contrast, mortgage stress (17/100) and institutional ownership (16/100) register low.

The market reads contraction — home values held roughly flat year on year, and 19% higher over three years (phase confidence 17/100). Falling values surface more motivated sellers and below-market exits.

The demographic-stress sub-score lands at 48/100. Roughly 20.8% live below the poverty line, elevated and often tied to deferred-maintenance inventory. Median household income is $45,605, below the U.S. median near $78,000. Around 49% of renters are cost-burdened. The typical home is worth about $384,400 (8.1× income, severely stretched). Around 35% of adults hold a bachelor's degree or higher. The ZIP holds roughly 463 housing units. Population is roughly 668 with a median age of 41. 61% of housing is owner-occupied. Vacancy runs 15.6%, above the national norm and a classic distress-and-opportunity signal.

Taken together, 96107 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. There is no property file for 96107 at the moment; the composite and its components are still built from verifiable public records.

Big metro or rural, 96107 runs through one identical public-record model, so its 13/100 sits on the same scale as every other ZIP in Mono County, California and the nation. Where the public record is thin for 96107, the field stays empty rather than modeled, and fills in as new documents post.

Behind 96107'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. Treat 96107 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.