ZIP 95054 Foreclosure, Tax-Lien & Distress Report
Santa Clara County, California · Cooling Market market
ZIP code 95054 in Santa Clara County, California carries a composite property-distress score of 20/100 — a low reading on DLRadar's deterministic public-record index. Environmental exposure also runs high (climate & FEMA risk (100/100), flood (NFIP) exposure (65/100)). The latent-versus-live split is 43/100 structural and 2/100 already moving. What sets it apart are the readings on structural risk (43/100), institutional ownership (15/100), mortgage stress (6/100). institutional ownership (15/100) and mortgage stress (6/100) stay muted.
The contraction-phase market in 95054 posted values that fell 1.0% over the year, 1.6% off the recent peak, and 21% higher over three years (phase confidence 19/100). Falling values surface more motivated sellers and below-market exits.
Households earn a median $204,052 — above the roughly $78,000 national figure. 35% of housing is owner-occupied. Vacancy runs 5.8%. About 69% have a four-year degree. Around 25% of renters are cost-burdened. On demographic stress specifically, 95054 scores 37/100. 5.1% of residents fall below the poverty threshold. Population is roughly 25,196 with a median age of 34. A median home runs $1,493,100 here, or 7.2 times local income. There are about 10,508 housing units across 95054.
On the whole, 95054 leans distressed, with opportunity clustered in specific stressed parcels. 95054 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.
No ZIP is too small to score: 95054 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. 95054 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.
Each component behind 95054 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 20/100 roll-up. For an operator, 95054 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.
Distress signal breakdown — ZIP 95054
Unpaid tax, corporate ownership share, insurance cost pressure, NFIP flood risk, construction slowdown, price gaps and auction turnover — plus the 0 individual distressed properties — each with owner, address, APN, its own distress score and an exit read — are in the full report.
Snapshot: 95054 by the numbers
95054 live: composite distress, market phase, housing detail and lender pressure, identical to the per-property report.
Santa Clara County ZIPs near 95054
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The complete 95054 distress and acquisition report
See who owns each distressed property in 95054, where it is, its APN and score, the bank behind it and how fast it should exit — then fund and close it in one click. Continuously refreshed, nationwide.
Deterministic scoring, sourced entirely from public data · methodology