ZIP 94086 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 94086 (Santa Clara County, California) lands at 20/100 — low on DLRadar's public-record scoring. Environmental exposure also runs high (climate & FEMA risk (100/100), flood (NFIP) exposure (65/100)). Structural risk reads 43/100 against active distress of 2/100. The pressure is most legible in 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.

Prices here sit in a contraction phase: values fell 1.0% over the trailing year, 1.6% off the recent peak, and 18% lower over three years, at 19/100 phase confidence. Falling values surface more motivated sellers and below-market exits.

The demographic-stress sub-score lands at 46/100. Roughly 6.5% live below the poverty line, a low share typical of higher-equity areas. Around 27% of renters are cost-burdened. The vacancy rate is 5.2%. Median household income is $180,217, above the U.S. median near $78,000. The ZIP holds roughly 21,955 housing units. Educational attainment sits at 70% bachelor's-or-above. Population is roughly 48,956 with a median age of 34. 31% of housing is owner-occupied. The typical home is worth about $1,810,200 (9.9× income, severely stretched).

On the whole, 94086 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 94086 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 94086 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; 94086 shows blanks, not estimates, wherever the record is sparse.

94086's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. For an operator, 94086 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.