ZIP 95120 Foreclosure, Tax-Lien & Distress Report

In Santa Clara County, California, ZIP 95120 scores 20 of 100 for composite distress, a low level on DLRadar's public-record index. What sets it apart are the readings on structural risk (43/100), institutional ownership (15/100), mortgage stress (6/100). On the quiet end sit institutional ownership (15/100) and mortgage stress (6/100). On the structural side it scores 43/100, with 2/100 of stress already active. 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 28% higher over three years, at 19/100 phase confidence. Falling values surface more motivated sellers and below-market exits.

Households earn a median $250,001 — above the roughly $78,000 national figure. There are about 12,981 housing units across 95120. 89% of housing is owner-occupied. Rent burden reaches 43% of tenant households. The poverty rate is 2.2% — low. DLRadar's demographic-stress index for the area reads 35/100. About 74% have a four-year degree. About 38,103 people live here, median age 47. Home values center near $2,000,000, an affordability ratio of 7.7× — stretched. The vacancy rate is 3.0%.

On the whole, 95120 leans distressed, with opportunity clustered in specific stressed parcels. Parcel-level detail for 95120 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

Big metro or rural, 95120 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. 95120 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

95120'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. Treat 95120 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.