ZIP 95112 Foreclosure, Tax-Lien & Distress Report

Santa Clara County, California's ZIP 95112 registers 20/100 composite distress, which DLRadar reads as low. The split runs 42/100 structural to 2/100 active on the ground. Climate and flood risk are elevated too — climate & FEMA risk (100/100), flood (NFIP) exposure (62/100). Leading the profile are structural risk (42/100), institutional ownership (14/100), mortgage stress (6/100). On the quiet end sit institutional ownership (14/100) and mortgage stress (6/100).

The contraction-phase market in 95112 posted values that fell 1.0% over the year, 1.6% off the recent peak, and 6% higher over three years, at 19/100 phase confidence. Falling values surface more motivated sellers and below-market exits.

About 56,766 people live here, median age 33. At $89,649, median income runs above typical U.S. levels. Vacancy runs 7.4%. The poverty rate is 18.2% — high, a tax-stress and distress correlate. A median home runs $974,300 here, or 10.7 times local income. Rent burden reaches 41% of tenant households. The tenure split is 28% owner-occupied to 72% rented. DLRadar's demographic-stress index for the area reads 54/100. The ZIP holds roughly 23,628 housing units. About 39% have a four-year degree.

On the whole, 95112 leans distressed, with opportunity clustered in specific stressed parcels. While 95112 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

Whether 95112 runs hot or quiet, its 20/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 95112 can be compared directly against any other ZIP in Santa Clara County, California or nationwide. Nothing here is interpolated — where a source is thin for 95112, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

95112's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. For a buyer, 95112 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.