ZIP 95132 Foreclosure, Tax-Lien & Distress Report

ZIP code 95132 in Santa Clara County, California carries a composite property-distress score of 20/100 — a low reading on DLRadar's deterministic distress index. It additionally carries heavy environmental risk: climate & FEMA risk (100/100), flood (NFIP) exposure (62/100). Its heaviest discrete signals: 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). Structural risk reads 42/100 against active distress of 2/100.

Prices here sit in a contraction phase: values fell 1.0% over the trailing year, 1.6% off the recent peak, and 3% higher over three years (phase confidence 19/100). A cooling market tends to open discount-to-value windows.

39,605 residents call 95132 home, typically aged 42. The typical home is worth about $1,349,100 (7.3× income, severely stretched). On demographic stress specifically, 95132 scores 40/100. Median household income is $172,266, above the U.S. median near $78,000. Owners hold 75% of homes, renters 25%. Around 50% of adults hold a bachelor's degree or higher. The ZIP holds roughly 12,477 housing units. Around 42% of renters are cost-burdened. Vacancy runs 3.9%. Roughly 8.3% live below the poverty line.

On the whole, 95132 leans distressed, with opportunity clustered in specific stressed parcels. While 95132 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

Whether 95132 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 95132 can be compared directly against any other ZIP in Santa Clara County, California or nationwide. Where the record is thin for 95132, the field stays empty rather than modeled, and fills in as new documents post.

The 20/100 figure for 95132 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. The point of the 95132 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.