ZIP 95032 Foreclosure, Tax-Lien & Distress Report

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 (65/100). The split runs 43/100 structural to 2/100 active on the ground. Leading the profile are structural risk (43/100), institutional ownership (15/100), mortgage stress (6/100). By contrast, institutional ownership (15/100) 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 to public records.

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 on ingest; 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.