ZIP 95020 Foreclosure, Tax-Lien & Distress Report

ZIP 95020's composite property-distress score is 20/100 - DLRadar classes that as low for Santa Clara County, California. It additionally carries heavy environmental risk: climate & FEMA risk (100/100), flood (NFIP) exposure (65/100). Its heaviest discrete signals: structural risk (43/100), institutional ownership (15/100), mortgage stress (6/100). On the quiet end sit institutional ownership (15/100) and mortgage stress (6/100). The latent-versus-live split is 43/100 structural and 2/100 already moving.

Prices here sit in a contraction phase: values fell 1.0% over the trailing year, 1.6% off the recent peak, and 6% higher over three years, at 19/100 phase confidence. Falling values surface more motivated sellers and below-market exits.

Population is roughly 67,945 with a median age of 37. The typical home is worth about $1,059,100 (7.5× income, severely stretched). Households earn a median $134,242 — above the roughly $78,000 national figure. Educational attainment sits at 28% bachelor's-or-above. Vacancy runs 5.1%. Rent burden reaches 41% of tenant households. The tenure split is 64% owner-occupied to 36% rented. The poverty rate is 7.4% — low. The ZIP holds roughly 20,822 housing units. DLRadar's demographic-stress index for the area reads 43/100.

On the whole, 95020 leans distressed, with opportunity clustered in specific stressed parcels. Parcel-level detail for 95020 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

Because one deterministic model scores every ZIP, 95020's 20/100 can be lined up against any neighbor in Santa Clara County, California or any ZIP coast to coast. Nothing here is interpolated — where a source is thin for 95020, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

The 20/100 figure for 95020 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, 95020 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.