ZIP 95008 Foreclosure, Tax-Lien & Distress Report

On DLRadar's 0-100 public-record scale, ZIP 95008 in Santa Clara County, California comes in at 20, a low composite-distress reading. Structurally it carries 43/100, against 2/100 of stress already in motion. It additionally carries heavy environmental risk: climate & FEMA risk (100/100), flood (NFIP) exposure (65/100). Its standout signals are structural risk (43/100), institutional ownership (15/100), mortgage stress (6/100). institutional ownership (15/100) and mortgage stress (6/100) stay muted.

The market reads contraction — home values fell 1.0% year on year, 1.6% off the recent peak, and 8% higher over three years, at 19/100 phase confidence. Falling values surface more motivated sellers and below-market exits.

Vacancy runs 6.6%. Roughly 5.9% live below the poverty line, a low share typical of higher-equity areas. 48,415 residents call 95008 home, typically aged 39. About 59% have a four-year degree. The typical home is worth about $1,633,600 (11.1× income, severely stretched). Households earn a median $142,841 — above the roughly $78,000 national figure. The tenure split is 49% owner-occupied to 51% rented. Around 39% of renters are cost-burdened. There are about 20,353 housing units across 95008. On demographic stress specifically, 95008 scores 48/100.

On the whole, 95008 leans distressed, with opportunity clustered in specific stressed parcels. There is no property file for 95008 at the moment; the composite and its components are still built from verifiable public records.

The 95008 read uses the identical public-record model applied coast to coast, which means its 20/100 score means exactly what it means anywhere else, and 95008 stays directly comparable to neighboring ZIPs and the rest of Santa Clara County, California. Nothing here is interpolated — where a source is thin for 95008, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

95008'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 a buyer, 95008 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.