ZIP 95046 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 95046 (Santa Clara County, California) at a low 20/100 for overall property distress. On the structural side it scores 43/100, with 2/100 of stress already active. It additionally carries heavy environmental risk: climate & FEMA risk (100/100), flood (NFIP) exposure (65/100). The pressure is most legible in 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.

The market reads contraction — home values fell 1.0% year on year, 1.6% off the recent peak, and 9% higher over three years (phase confidence 19/100). Falling values surface more motivated sellers and below-market exits.

Vacancy runs 4.9%. The typical home is worth about $1,477,900 (8.9× income, severely stretched). 73% of housing is owner-occupied. Around 49% of renters are cost-burdened. Households earn a median $157,458 — above the roughly $78,000 national figure. On demographic stress specifically, 95046 scores 47/100. Population is roughly 6,766 with a median age of 48. About 36% have a four-year degree. The ZIP holds roughly 1,855 housing units. The poverty rate is 6.9% — low.

On the whole, 95046 leans distressed, with opportunity clustered in specific stressed parcels. No parcel file is published for 95046 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

No ZIP is too small to score: 95046 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. Sparse data for 95046 shows as blanks, never estimates, and the score updates on every fresh public filing.

Behind 95046'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. For an operator, 95046 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.