ZIP 95118 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 95118 (Santa Clara County, California) returns a low composite of 20/100. Structural risk reads 43/100 against active distress of 2/100. Climate and flood risk are elevated too — climate & FEMA risk (100/100), flood (NFIP) exposure (65/100). Its standout signals are 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 95118 posted values that fell 1.0% over the 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.

About 31,831 people live here, median age 39. Roughly 5.3% live below the poverty line, a low share typical of higher-equity areas. The tenure split is 63% owner-occupied to 37% rented. The vacancy rate is 5.1%. A median home runs $1,494,600 here, or 9.3 times local income. Around 53% of adults hold a bachelor's degree or higher. The ZIP holds roughly 12,011 housing units. Around 40% of renters are cost-burdened. At $148,438, median income runs above typical U.S. levels. DLRadar's demographic-stress index for the area reads 45/100.

On the whole, 95118 leans distressed, with opportunity clustered in specific stressed parcels. Parcel-level detail for 95118 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

Big metro or rural, 95118 runs through one identical public-record model, so its 20/100 sits on the same scale as every other ZIP in Santa Clara County, California and the nation. 95118 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

The 20/100 figure for 95118 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, 95118 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.