ZIP 95032 Foreclosure, Tax-Lien & Distress Report
Santa Clara County, California · Cooling Market market
DLRadar grades ZIP 95032 (Santa Clara County, California) at a low 20/100 for overall property distress. Climate and flood risk are elevated too — climate & FEMA risk (100/100), flood (NFIP) exposure (62/100). The split runs 42/100 structural to 2/100 active on the ground. Leading the profile are structural risk (42/100), institutional ownership (14/100), mortgage stress (6/100). By contrast, institutional ownership (14/100) and mortgage stress (6/100) register low.
Prices here sit in a contraction phase: values fell 1.0% over the trailing year, 1.6% off the recent peak, and 4% lower over three years (phase confidence 19/100). A cooling market tends to open discount-to-value windows.
Median household income is $195,188, above the U.S. median near $78,000. On demographic stress specifically, 95032 scores 43/100. Around 31% of renters are cost-burdened. The tenure split is 63% owner-occupied to 37% rented. About 76% have a four-year degree. Home values center near $2,000,000, an affordability ratio of 10.3× — stretched. The ZIP holds roughly 10,966 housing units. About 27,682 people live here, median age 45. Roughly 3.8% live below the poverty line, a low share typical of higher-equity areas. Vacancy runs 5.7%.
Net-net, 95032 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Parcel-level detail for 95032 is not published yet -- the ZIP-level readings above remain fully sourced.
No ZIP is too small to score: 95032 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 20/100 composite is a like-for-like number rather than an isolated estimate. Every figure is auditable to a public dataset and refreshed as records update; 95032 shows blanks, not estimates, wherever the record is sparse.
95032's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. In workflow terms, 95032 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.
Distress signal breakdown — ZIP 95032
Tax-delinquent parcels, institutional ownership, insurance strain, flood risk, construction lag, price dislocation and auction speed — plus the 0 individual distressed properties come with owner, address, APN, an individual score and an exit read in the complete report.
ZIP 95032 Stress Report snapshot
A live read on 95032: distress, market phase, housing and bank pressure — identical to the report behind every parcel.
Neighbouring ZIPs in Santa Clara County
Nearest ZIP codes to 95032
By straight-line distance between ZIP centers — the surrounding market, whichever county or state line it crosses.
More distress data near 95032
Additional distress intelligence spanning Santa Clara County, California by ZIP, county and state.
Unlock parcel-level detail for ZIP 95032
The full 95032 file lists each distressed parcel with owner, address, APN, per-property score, bank exposure and exit-velocity read, and carries it straight through to owner and lender records. Refreshed continuously.
No modelling: every input is a public record · methodology