ZIP 95120 Property Distress & Foreclosure Data

ZIP code 95120 in Santa Clara County, California carries a composite property-distress score of 20/100 — a low reading on DLRadar's deterministic public-record index. What sets it apart are the readings on structural risk (44/100), institutional ownership (15/100), mortgage stress (6/100). mortgage stress (6/100) and construction/permit lag (3/100) stay muted. The latent-versus-live split is 44/100 structural and 2/100 already moving. Climate and flood risk are elevated too — climate & FEMA risk (100/100), flood (NFIP) exposure (65/100).

Prices here sit in a peak phase: values held roughly flat over the trailing year, and 28% higher over three years (phase confidence 12/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Households earn a median $250,001 — above the roughly $78,000 national figure. The ZIP holds roughly 12,981 housing units. The tenure split is 89% owner-occupied to 11% rented. Around 43% of renters are cost-burdened. Roughly 2.2% live below the poverty line, a low share typical of higher-equity areas. On demographic stress specifically, 95120 scores 35/100. About 74% have a four-year degree. 38,103 residents call 95120 home, typically aged 47. A median home runs $2,000,000 here, or 7.7 times local income. The vacancy rate is 3.0%.

Overall, 95120 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.