ZIP 95116 Foreclosure, Tax-Lien & Distress Report

On DLRadar's 0-100 public-record scale, ZIP 95116 in Santa Clara County, California comes in at 20, a low composite-distress reading. Structural risk reads 43/100 against active distress of 2/100. Environmental exposure also runs high (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 contraction-phase market in 95116 posted values that fell 1.0% over the year, 1.6% off the recent peak, and 8% higher over three years, at 19/100 phase confidence. A cooling market tends to open discount-to-value windows.

Vacancy runs 3.8%. The tenure split is 39% owner-occupied to 61% rented. Median household income is $83,428, near the U.S. median near $78,000. The ZIP holds roughly 13,978 housing units. The typical home is worth about $860,900 (10.1× income, severely stretched). Around 21% of adults hold a bachelor's degree or higher. 48,816 residents call 95116 home, typically aged 36. The poverty rate is 11.8%. DLRadar's demographic-stress index for the area reads 56/100. Rent burden reaches 48% of tenant households.

Net-net, 95116 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. 95116 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

The number is not local guesswork: 95116's 20/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. Where the public record is thin for 95116, the field stays empty rather than modeled, and fills in as new documents post.

The 20/100 figure for 95116 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. Practically, 95116 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.