ZIP 94040 Foreclosure, Tax-Lien & Distress Report
Santa Clara County, California · Cooling Market market
In Santa Clara County, California, ZIP 94040 scores 20 of 100 for composite distress, a low level on DLRadar's public-record index. Its standout signals are structural risk (43/100), institutional ownership (15/100), mortgage stress (6/100). By contrast, institutional ownership (15/100) and mortgage stress (6/100) register low. Structurally it carries 43/100, against 2/100 of stress already in motion. Environmental exposure also runs high (climate & FEMA risk (100/100), flood (NFIP) exposure (65/100)).
Prices here sit in a contraction phase: values fell 1.0% over the trailing year, 1.6% off the recent peak (phase confidence 19/100). A cooling market tends to open discount-to-value windows.
Roughly 5.1% live below the poverty line, a low share typical of higher-equity areas. 35,581 residents call 94040 home, typically aged 35. The ZIP holds roughly 17,302 housing units. 36% of housing is owner-occupied. About 78% have a four-year degree. The typical home is worth about $2,000,000 (10.8× income, severely stretched). Around 32% of renters are cost-burdened. DLRadar's demographic-stress index for the area reads 46/100. Households earn a median $184,494 — above the roughly $78,000 national figure. Vacancy runs 9.5%.
Taken together, 94040 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. There is no property file for 94040 at the moment; the composite and its components are still built from verifiable public records.
Because one deterministic model scores every ZIP, 94040's 20/100 can be lined up against any neighbor in Santa Clara County, California or any ZIP coast to coast. Every figure is auditable to a public dataset and refreshed on ingest; 94040 shows blanks, not estimates, wherever the record is sparse.
The 20/100 figure for 94040 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. Practically, 94040 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.
Signal-by-signal read on 94040
Delinquent tax, institutional holdings, insurance strain, flood/NFIP exposure, build-out lag, price dislocation and auction pace — along with the 0 individual distressed properties — each with owner, address, APN, its own distress score and an exit read — are in the full report.
ZIP 94040 Stress Report snapshot
The live 94040 panel — distress score, market phase, housing and bank pressure — as attached to every individual property.
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Keep going: ZIP, county and state distress coverage for Santa Clara County, California.
See every distressed parcel in 94040
The full 94040 file lists each distressed parcel with owner, address, APN, per-property score, bank exposure and exit-velocity read, and carries it straight through funding and closing. Refreshed continuously.
Each signal above is traceable to an open dataset · methodology