ZIP 95135 Foreclosure, Tax-Lien & Distress Report

Santa Clara County, California's ZIP 95135 registers 20/100 composite distress, which DLRadar reads as low. Climate and flood risk are elevated too — climate & FEMA risk (100/100), flood (NFIP) exposure (62/100). The split runs 42/100 structural to 2/100 active on the ground. The sharpest non-environmental signals are structural risk (42/100), institutional ownership (14/100), mortgage stress (6/100). By contrast, institutional ownership (14/100) and mortgage stress (6/100) register low.

Prices here sit in a contraction phase: values fell 1.0% over the trailing year, 1.6% off the recent peak, and 12% lower over three years, at 19/100 phase confidence. A cooling market tends to open discount-to-value windows.

At $196,179, median income runs above typical U.S. levels. The vacancy rate is 3.2%. 3.2% of residents fall below the poverty threshold. Population is roughly 20,503 with a median age of 52. DLRadar's demographic-stress index for the area reads 37/100. Around 65% of adults hold a bachelor's degree or higher. There are about 7,764 housing units across 95135. The tenure split is 87% owner-occupied to 13% rented. Around 55% of renters are cost-burdened. The typical home is worth about $1,547,400 (7.4× income, severely stretched).

On the whole, 95135 leans distressed, with opportunity clustered in specific stressed parcels. While 95135 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

Whether 95135 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 95135 can be compared directly against any other ZIP in Santa Clara County, California or nationwide. Where the record is thin for 95135, the field stays empty rather than modeled, and fills in as new documents post.

The 20/100 for 95135 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. Practically, 95135 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.