ZIP 95002 Foreclosure, Tax-Lien & Distress Report

In Santa Clara County, California, ZIP 95002 scores 20 of 100 for composite distress, a low level on DLRadar's public-record index. Structurally it carries 43/100, against 2/100 of stress already in motion. What sets it apart are the readings on structural risk (43/100), institutional ownership (15/100), mortgage stress (6/100). institutional ownership (15/100) and mortgage stress (6/100) stay muted. It additionally carries heavy environmental risk: climate & FEMA risk (100/100), flood (NFIP) exposure (65/100).

The contraction-phase market in 95002 posted values that fell 1.0% over the year, 1.6% off the recent peak, and 8% lower over three years (phase confidence 19/100). Softening prices widen the spread between distressed and market value — what acquisition buyers watch for.

Population is roughly 1,639 with a median age of 47. Rent burden reaches 59% of tenant households. Owners hold 70% of homes, renters 30%. The ZIP holds roughly 559 housing units. Home values center near $1,080,800, an affordability ratio of 11.4× — stretched. The demographic-stress sub-score lands at 52/100. Roughly 7.7% live below the poverty line. About 35% have a four-year degree. The vacancy rate is 4.4%. Median household income is $89,861, above the U.S. median near $78,000.

On the whole, 95002 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 95002 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 95002 can be compared directly against any other ZIP in Santa Clara County, California or nationwide. Where the public record is thin for 95002, the field stays empty rather than modeled, and fills in as new documents post.

Each component behind 95002 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 20/100 roll-up. In workflow terms, 95002 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.