ZIP 95131 Foreclosure, Tax-Lien & Distress Report
Santa Clara County, California · Cooling Market market
ZIP 95131's composite property-distress score is 20/100 - DLRadar classes that as low for Santa Clara County, California. Climate and flood risk are elevated too — climate & FEMA risk (100/100), flood (NFIP) exposure (62/100). On the structural side it scores 42/100, with 2/100 of stress already active. The sharpest non-environmental signals are 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 26% higher over three years (phase confidence 19/100). Softening prices widen the spread between distressed and market value — what acquisition buyers watch for.
DLRadar's demographic-stress index for the area reads 36/100. The poverty rate is 7.8%. Median household income is $170,128, above the U.S. median near $78,000. Rent burden reaches 30% of tenant households. Vacancy runs 3.1%. About 57% have a four-year degree. The typical home is worth about $1,164,800 (6.7× income). Population is roughly 30,745 with a median age of 38. There are about 10,308 housing units across 95131. 63% of housing is owner-occupied.
Net-net, 95131 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Parcel-level detail for 95131 is not published yet -- the ZIP-level readings above remain fully sourced.
No ZIP is too small to score: 95131 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. Sparse data for 95131 shows as blanks, never estimates, and the score updates on every fresh public filing.
95131's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. Treat 95131 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.
Distress signal breakdown — ZIP 95131
Tax arrears, institutional buyers, insurance load, flood exposure, stalled construction, dislocated pricing and auction velocity — together with the 0 individual distressed properties are broken out by owner, address, APN, per-property score and exit read inside DLRadar.
95131 at a glance
Current distress, phase, housing and lender-pressure figures for 95131, drawn from the same report attached to each property.
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