ZIP 95014 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 95014 (Santa Clara County, California) returns a low composite of 20/100. Property-level stress concentrates in structural risk (43/100), institutional ownership (15/100), mortgage stress (6/100). institutional ownership (15/100) and mortgage stress (6/100) stay muted. Structural exposure scores 43 and live distress 2 on the 0–100 scale. Climate and flood risk are elevated too — climate & FEMA risk (100/100), flood (NFIP) exposure (65/100).

The market reads contraction — home values fell 1.0% year on year, 1.6% off the recent peak, and 10% higher over three years, at 19/100 phase confidence. A cooling market tends to open discount-to-value windows.

There are about 23,104 housing units across 95014. The vacancy rate is 5.8%. Educational attainment sits at 83% bachelor's-or-above. Around 27% of renters are cost-burdened. The poverty rate is 4.2% — low. About 61,109 people live here, median age 41. Home values center near $2,000,000, an affordability ratio of 8.7× — stretched. The demographic-stress sub-score lands at 38/100. Households earn a median $229,074 — above the roughly $78,000 national figure. Owners hold 59% of homes, renters 41%.

Taken together, 95014 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Parcel-level detail for 95014 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

The 95014 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 95014 stays directly comparable to neighboring ZIPs and the rest of Santa Clara County, California. Nothing here is interpolated — where a source is thin for 95014, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

Behind 95014'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. In workflow terms, 95014 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.