ZIP 95111 Foreclosure, Tax-Lien & Distress Report

ZIP code 95111 in Santa Clara County, California carries a composite property-distress score of 20/100 — a low reading on DLRadar's deterministic public-record index. The most distinctive pressure shows up in 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). It additionally carries heavy environmental risk: climate & FEMA risk (100/100), flood (NFIP) exposure (65/100). The split runs 43/100 structural to 2/100 active on the ground.

The market reads contraction — home values fell 1.0% year on year, 1.6% off the recent peak, and 13% higher over three years (phase confidence 19/100). Softening prices widen the spread between distressed and market value — what acquisition buyers watch for.

Vacancy runs 2.9%. Owners hold 60% of homes, renters 40%. There are about 16,166 housing units across 95111. Around 55% of renters are cost-burdened. About 58,885 people live here, median age 38. About 20% have a four-year degree. The poverty rate is 8.8%. DLRadar's demographic-stress index for the area reads 50/100. Households earn a median $97,162 — above the roughly $78,000 national figure. Home values center near $850,700, an affordability ratio of 8.5× — stretched.

On the whole, 95111 leans distressed, with opportunity clustered in specific stressed parcels. 95111 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

The 95111 read uses the identical public-record model applied coast to coast, which means its 20/100 score means exactly what it means anywhere else, and 95111 stays directly comparable to neighboring ZIPs and the rest of Santa Clara County, California. Sparse data for 95111 shows as blanks, never estimates, and the score updates on every fresh public filing.

Each component behind 95111 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 20/100 roll-up. In workflow terms, 95111 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.