ZIP 95013 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 95013 (Santa Clara County, California) at a low 20/100 for overall property distress. Structural exposure scores 43 and live distress 0 on the 0–100 scale. Environmental exposure also runs high (climate & FEMA risk (100/100), flood (NFIP) exposure (65/100)). Property-level stress concentrates in structural risk (43/100), institutional ownership (15/100). institutional ownership (15/100) stay muted.

The market reads contraction — home values fell 1.0% year on year, 1.6% off the recent peak (phase confidence 19/100). A cooling market tends to open discount-to-value windows.

The vacancy rate is 0.0%. There are about 21 housing units across 95013. The demographic-stress sub-score lands at 15/100. 100% of housing is owner-occupied. The poverty rate is 0.0% — low. About 42 people live here, median age 59. Around 33% of adults hold a bachelor's degree or higher.

On the whole, 95013 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.

The 95013 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 95013 stays directly comparable to neighboring ZIPs and the rest of Santa Clara County, California. Every figure is auditable to a public dataset and refreshed on ingest; 95013 shows blanks, not estimates, wherever the record is sparse.

The 20/100 figure for 95013 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. In workflow terms, 95013 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.