ZIP 95128 Foreclosure, Tax-Lien & Distress Report
Santa Clara County, California · Cooling Market market
In Santa Clara County, California, ZIP 95128 scores 20 of 100 for composite distress, a low level on DLRadar's distress index. It additionally carries heavy environmental risk: climate & FEMA risk (100/100), flood (NFIP) exposure (62/100). The latent-versus-live split is 42/100 structural and 2/100 already moving. Its heaviest discrete signals: structural risk (42/100), institutional ownership (14/100), mortgage stress (6/100). institutional ownership (14/100) and mortgage stress (6/100) stay muted.
The market reads contraction — home values fell 1.0% year on year, 1.6% off the recent peak, and 3% higher over three years, at 19/100 phase confidence. Softening prices widen the spread between distressed and market value — what acquisition buyers watch for.
Households earn a median $122,647 — above the roughly $78,000 national figure. Owners hold 44% of homes, renters 56%. Rent burden reaches 38% of tenant households. Educational attainment sits at 52% bachelor's-or-above. The poverty rate is 9.5%. Home values center near $1,262,600, an affordability ratio of 9.9× — stretched. Vacancy runs 7.4%. DLRadar's demographic-stress index for the area reads 49/100. 33,585 residents call 95128 home, typically aged 39. There are about 14,951 housing units across 95128.
Net-net, 95128 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. 95128 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: 95128's 20/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. 95128 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.
Each component behind 95128 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 20/100 roll-up. In workflow terms, 95128 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.
ZIP 95128 distress signals, scored
Unpaid tax, corporate ownership share, insurance cost pressure, NFIP flood risk, construction slowdown, price gaps and auction turnover — plus the 0 individual distressed properties (owner, address, APN, per-property score and exit read) are in the full DLRadar report.
ZIP 95128 Stress Report snapshot
A live read on 95128: distress, market phase, housing and bank pressure — identical to the report behind every parcel.
Neighbouring ZIPs in Santa Clara County
Nearest ZIP codes to 95128
By straight-line distance between ZIP centers — the surrounding market, whichever county or state line it crosses.
More distress data near 95128
Additional distress intelligence spanning Santa Clara County, California by ZIP, county and state.
See every distressed parcel in 95128
Every distressed parcel in 95128 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.
Rules-based scoring — each signal ties to a public dataset · methodology