ZIP 94538 Foreclosure, Tax-Lien & Distress Report

ZIP 94538's composite property-distress score is 21/100 - DLRadar classes that as low for Alameda County, California. Climate and flood risk are elevated too — climate & FEMA risk (100/100), flood (NFIP) exposure (87/100). Structural exposure scores 47 and live distress 2 on the 0–100 scale. The most distinctive pressure shows up in structural risk (47/100), institutional ownership (20/100), mortgage stress (8/100). institutional ownership (20/100) and mortgage stress (8/100) stay muted.

The peak-phase market in 94538 posted values that held roughly flat over the year, and 16% higher over three years (phase confidence 12/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Median household income is $144,451, above the U.S. median near $78,000. A median home runs $1,136,600 here, or 7.7 times local income. About 53% have a four-year degree. There are about 24,854 housing units across 94538. Roughly 5.0% live below the poverty line, a low share typical of higher-equity areas. The demographic-stress sub-score lands at 41/100. Around 35% of renters are cost-burdened. Owners hold 45% of homes, renters 55%. Vacancy runs 5.2%. Population is roughly 67,704 with a median age of 37.

Net-net, 94538 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. There is no property file for 94538 at the moment; the composite and its components are still built from verifiable public records.

Whether 94538 runs hot or quiet, its 21/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 94538 can be compared directly against any other ZIP in Alameda County, California or nationwide. Nothing here is interpolated — where a source is thin for 94538, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

Behind 94538'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. Practically, 94538 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.