ZIP 94085 Foreclosure, Tax-Lien & Distress Report

Santa Clara County, California's ZIP 94085 registers 20/100 composite distress, which DLRadar reads as low. The latent-versus-live split is 43/100 structural and 2/100 already moving. The most distinctive pressure shows up in structural risk (43/100), institutional ownership (15/100), mortgage stress (6/100). institutional ownership (15/100) and mortgage stress (6/100) stay muted. 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, and 3% higher over three years, at 19/100 phase confidence. Softening prices widen the spread between distressed and market value — what acquisition buyers watch for.

Population is roughly 23,159 with a median age of 33. Home values center near $1,534,400, an affordability ratio of 8.4× — stretched. Rent burden reaches 27% of tenant households. Owners hold 39% of homes, renters 61%. About 62% have a four-year degree. Median household income is $183,563, above the U.S. median near $78,000. There are about 10,146 housing units across 94085. On demographic stress specifically, 94085 scores 42/100. Vacancy runs 5.7%. 7.4% of residents fall below the poverty threshold.

On the whole, 94085 leans distressed, with opportunity clustered in specific stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

Whether 94085 runs hot or quiet, its 20/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 94085 can be compared directly against any other ZIP in Santa Clara County, California or nationwide. Every figure is auditable to a public dataset and refreshed on ingest; 94085 shows blanks, not estimates, wherever the record is sparse.

Behind 94085'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 94085 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.