ZIP 95121 Foreclosure, Tax-Lien & Distress Report

Santa Clara County, California's ZIP 95121 registers 20/100 composite distress, which DLRadar reads as low. Structurally it carries 43/100, against 2/100 of stress already in motion. Climate and flood risk are elevated too — climate & FEMA risk (100/100), flood (NFIP) exposure (65/100). The most distinctive pressure shows up 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.

Prices here sit in a contraction phase: values fell 1.0% over the trailing year, 1.6% off the recent peak, and 11% higher over three years (phase confidence 19/100). A cooling market tends to open discount-to-value windows.

There are about 10,005 housing units across 95121. A median home runs $1,051,900 here, or 7.7 times local income. 7.8% of residents fall below the poverty threshold. Owners hold 77% of homes, renters 23%. Vacancy runs 1.4%. Around 34% of adults hold a bachelor's degree or higher. At $133,700, median income runs above typical U.S. levels. DLRadar's demographic-stress index for the area reads 43/100. About 35,722 people live here, median age 44. Around 48% of renters are cost-burdened.

On the whole, 95121 leans distressed, with opportunity clustered in specific stressed parcels. 95121 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: 95121's 20/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. The score is rebuilt from public data as it updates, so 95121 reflects the current record instead of a stale or modeled snapshot.

95121'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. For a buyer, 95121 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.