ZIP 95123 Foreclosure, Tax-Lien & Distress Report
Santa Clara County, California · Cooling Market market
On DLRadar's 0-100 distress scale, ZIP 95123 in Santa Clara County, California comes in at 20, a low composite-distress reading. It additionally carries heavy environmental risk: climate & FEMA risk (100/100), flood (NFIP) exposure (62/100). The sharpest non-environmental signals are structural risk (42/100), institutional ownership (14/100), mortgage stress (6/100). By contrast, institutional ownership (14/100) and mortgage stress (6/100) register low. The latent-versus-live split is 42/100 structural and 2/100 already moving.
The market reads contraction — home values fell 1.0% year on year, 1.6% off the recent peak, and 11% higher over three years, at 19/100 phase confidence. Softening prices widen the spread between distressed and market value — what acquisition buyers watch for.
Population is roughly 70,279 with a median age of 38. Owners hold 60% of homes, renters 40%. The vacancy rate is 3.1%. 5.8% of residents fall below the poverty threshold. The ZIP holds roughly 25,037 housing units. At $136,364, median income runs above typical U.S. levels. The typical home is worth about $1,166,800 (8.1× income, severely stretched). About 45% have a four-year degree. DLRadar's demographic-stress index for the area reads 43/100. Around 42% of renters are cost-burdened.
Net-net, 95123 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. While 95123 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.
Big metro or rural, 95123 runs through one identical scoring model, so its 20/100 sits on the same scale as every other ZIP in Santa Clara County, California and the nation. Sparse data for 95123 shows as blanks, never estimates, and the score updates on every fresh public filing.
The 20/100 figure for 95123 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. For an operator, 95123 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.
Distress signal breakdown — ZIP 95123
Delinquency on tax, investor concentration, insurance pressure, NFIP flood, lagging construction, price dislocation and sale velocity — and the 0 individual distressed properties — each with owner, address, APN, its own distress score and an exit read — are in the full report.
95123 at a glance
Current distress, phase, housing and lender-pressure figures for 95123, drawn from the same report attached to each property.
Neighbouring ZIPs in Santa Clara County
Nearest ZIP codes to 95123
By straight-line distance between ZIP centers — the surrounding market, whichever county or state line it crosses.
Related reports across Santa Clara County, California
Further distress data across Santa Clara County, California at ZIP, county and state level.
Get the full acquisition report for 95123
Every distressed parcel in 95123 comes with owner and address, APN, its own distress score, bank exposure and an exit-velocity read — plus a one-click path to owner and lender records, refreshed continuously nationwide.
No modelling: every input is a public record · methodology