ZIP 95135 Property Distress & Foreclosure Data

In Santa Clara County, California, ZIP 95135 scores 20 of 100 for composite distress, a low level on DLRadar's public-record index. Climate and flood risk are elevated too — climate & FEMA risk (100/100), flood (NFIP) exposure (65/100). The latent-versus-live split is 44/100 structural and 2/100 already moving. Its standout signals are structural risk (44/100), institutional ownership (15/100), mortgage stress (6/100). mortgage stress (6/100) and construction/permit lag (3/100) stay muted.

Prices here sit in a peak phase: values held roughly flat over the trailing year, and 12% lower over three years (phase confidence 12/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Households earn a median $196,179 — above the roughly $78,000 national figure. The vacancy rate is 3.2%. Roughly 3.2% live below the poverty line, a low share typical of higher-equity areas. 20,503 residents call 95135 home, typically aged 52. On demographic stress specifically, 95135 scores 37/100. About 65% have a four-year degree. The ZIP holds roughly 7,764 housing units. The tenure split is 87% owner-occupied to 13% rented. Around 55% of renters are cost-burdened. A median home runs $1,547,400 here, or 7.4 times local income.

Overall, 95135 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.