ZIP 95117 Foreclosure, Tax-Lien & Distress Report

On DLRadar's 0-100 public-record scale, ZIP 95117 in Santa Clara County, California comes in at 20, a low composite-distress reading. The most distinctive pressure shows up in structural risk (43/100), institutional ownership (15/100), mortgage stress (6/100). institutional ownership (15/100) and mortgage stress (6/100) stay muted. Latent structural risk is 43/100 while live distress already moving reads 2/100. Climate and flood risk are elevated too — climate & FEMA risk (100/100), flood (NFIP) exposure (65/100).

The market reads contraction — home values fell 1.0% year on year, 1.6% off the recent peak, and 1% higher over three years (phase confidence 19/100). Falling values surface more motivated sellers and below-market exits.

At $115,778, median income runs above typical U.S. levels. There are about 11,366 housing units across 95117. Around 38% of renters are cost-burdened. Vacancy runs 9.6%. About 44% have a four-year degree. A median home runs $1,520,700 here, or 12.3 times local income. The tenure split is 36% owner-occupied to 64% rented. The demographic-stress sub-score lands at 52/100. Roughly 9.9% live below the poverty line. Population is roughly 27,798 with a median age of 36.

Net-net, 95117 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. While 95117 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

The number is not local guesswork: 95117's 20/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. Nothing here is interpolated — where a source is thin for 95117, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

Behind 95117'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. The point of the 95117 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.