ZIP 95122 Foreclosure, Tax-Lien & Distress Report

Santa Clara County, California's ZIP 95122 registers 20/100 composite distress, which DLRadar reads as low. The sharpest non-environmental signals are 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). The latent-versus-live split is 43/100 structural and 2/100 already moving. It additionally carries heavy environmental risk: 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 8% higher over three years (phase confidence 19/100). Softening prices widen the spread between distressed and market value — what acquisition buyers watch for.

Median household income is $103,406, above the U.S. median near $78,000. On demographic stress specifically, 95122 scores 50/100. The tenure split is 53% owner-occupied to 47% rented. Vacancy runs 4.3%. Roughly 9.0% live below the poverty line. The ZIP holds roughly 12,465 housing units. Rent burden reaches 52% of tenant households. The typical home is worth about $872,900 (8.1× income, severely stretched). About 18% have a four-year degree. 52,206 residents call 95122 home, typically aged 36.

Net-net, 95122 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. There is no property file for 95122 at the moment; the composite and its components are still built from verifiable public records.

No ZIP is too small to score: 95122 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 20/100 composite is a like-for-like number rather than an isolated estimate. 95122 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

The 20/100 figure for 95122 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. The point of the 95122 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.