ZIP 95129 Foreclosure, Tax-Lien & Distress Report

ZIP 95129's composite property-distress score is 20/100 - DLRadar classes that as low for Santa Clara County, California. Environmental exposure also runs high (climate & FEMA risk (100/100), flood (NFIP) exposure (62/100)). Its standout signals are structural risk (42/100), institutional ownership (14/100), mortgage stress (6/100). On the quiet end sit institutional ownership (14/100) and mortgage stress (6/100). Latent structural risk is 42/100 while live distress already moving reads 2/100.

The contraction-phase market in 95129 posted values that fell 1.0% over the year, 1.6% off the recent peak, and 15% lower over three years (phase confidence 19/100). A cooling market tends to open discount-to-value windows.

The typical home is worth about $2,000,000 (10.9× income, severely stretched). Vacancy runs 6.1%. 40,896 residents call 95129 home, typically aged 42. 58% of housing is owner-occupied. Households earn a median $182,662 — above the roughly $78,000 national figure. The ZIP holds roughly 15,087 housing units. Roughly 3.9% live below the poverty line, a low share typical of higher-equity areas. Around 32% of renters are cost-burdened. DLRadar's demographic-stress index for the area reads 44/100. About 71% have a four-year degree.

Net-net, 95129 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

Whether 95129 runs hot or quiet, its 20/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 95129 can be compared directly against any other ZIP in Santa Clara County, California or nationwide. Nothing here is interpolated — where a source is thin for 95129, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

Each component behind 95129 - 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, 95129 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.