ZIP 94038 Foreclosure, Tax-Lien & Distress Report
San Mateo County, California · High Value market
ZIP 94038's composite property-distress score is 27/100 - DLRadar classes that as low for San Mateo County, California. The latent-versus-live split is 60/100 structural and 2/100 already moving. It additionally carries heavy environmental risk: climate & FEMA risk (99/100), flood (NFIP) exposure (73/100). The most distinctive pressure shows up in construction/permit lag (64/100), structural risk (60/100), institutional ownership (17/100). institutional ownership (17/100) and mortgage stress (8/100) stay muted.
The market reads peak — home values held roughly flat year on year, and 9% lower over three years, at 12/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.
The typical home is worth about $1,123,100 (8.7× income, severely stretched). The tenure split is 97% owner-occupied to 3% rented. About 3,016 people live here, median age 44. About 51% have a four-year degree. The ZIP holds roughly 1,039 housing units. Median household income is $128,333, above the U.S. median near $78,000. Vacancy runs 1.9%. The poverty rate is 5.5% — low. Around 50% of renters are cost-burdened. On demographic stress specifically, 94038 scores 41/100.
On balance 94038 is mixed, rewarding parcel-by-parcel screening over broad assumptions. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.
The number is not local guesswork: 94038's 27/100 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 94038 reflects the current record instead of a stale or modeled snapshot.
94038's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. For a buyer, 94038 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.
What is driving ZIP 94038’s distress
Unpaid tax, corporate ownership share, insurance cost pressure, NFIP flood risk, construction slowdown, price gaps and auction turnover — plus the 0 individual distressed properties — each with owner, address, APN, its own distress score and an exit read — are in the full report.
94038 at a glance
94038 live: composite distress, market phase, housing detail and lender pressure, identical to the per-property report.
San Mateo County ZIPs near 94038
More distress data near 94038
Other reports tied to San Mateo County, California — ZIP, county and statewide.
See every distressed parcel in 94038
See who owns each distressed property in 94038, where it is, its APN and score, the bank behind it and how fast it should exit — then fund and close it in one click. Continuously refreshed, nationwide.
Each signal above is traceable to an open dataset · methodology