ZIP 95127 Foreclosure, Tax-Lien & Distress Report
Santa Clara County, California · Cooling Market market
On DLRadar's 0-100 distress scale, ZIP 95127 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). What sets it apart are the readings on structural risk (42/100), institutional ownership (14/100), mortgage stress (6/100). institutional ownership (14/100) and mortgage stress (6/100) stay muted. 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 (phase confidence 19/100). Falling values surface more motivated sellers and below-market exits.
About 61,091 people live here, median age 39. There are about 16,257 housing units across 95127. Owners hold 66% of homes, renters 34%. The vacancy rate is 6.1%. Median household income is $120,548, above the U.S. median near $78,000. About 27% have a four-year degree. Around 50% of renters are cost-burdened. DLRadar's demographic-stress index for the area reads 48/100. The typical home is worth about $1,035,800 (8.3× income, severely stretched). 8.8% of residents fall below the poverty threshold.
On the whole, 95127 leans distressed, with opportunity clustered in specific stressed parcels. Parcel-level detail for 95127 is not published yet -- the ZIP-level readings above remain fully sourced.
No ZIP is too small to score: 95127 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. Nothing here is interpolated — where a source is thin for 95127, DLRadar leaves it blank rather than guessing, and re-scores as new records post.
Each component behind 95127 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 20/100 roll-up. The point of the 95127 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.
Signal-by-signal read on 95127
Unpaid tax, corporate ownership share, insurance cost pressure, NFIP flood risk, construction slowdown, price gaps and auction turnover — plus the 0 individual distressed properties come with owner, address, APN, an individual score and an exit read in the complete report.
Snapshot: 95127 by the numbers
95127 live: composite distress, market phase, housing detail and lender pressure, identical to the per-property report.
Santa Clara County ZIPs near 95127
Nearest ZIP codes to 95127
By straight-line distance between ZIP centers — the surrounding market, whichever county or state line it crosses.
Keep exploring California distress
Further distress data across Santa Clara County, California at ZIP, county and state level.
See every distressed parcel in 95127
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Built from public records, scored the same way everywhere · methodology