ZIP 95138 Foreclosure, Tax-Lien & Distress Report
Santa Clara County, California · Cooling Market market
ZIP 95138's composite property-distress score is 20/100 - DLRadar classes that as low for Santa Clara County, California. Structurally it carries 42/100, against 2/100 of stress already in motion. Leading the profile 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. It additionally carries heavy environmental risk: climate & FEMA risk (100/100), flood (NFIP) exposure (62/100).
The market reads contraction — home values fell 1.0% year on year, 1.6% off the recent peak, and 14% higher over three years, at 19/100 phase confidence. Falling values surface more motivated sellers and below-market exits.
Vacancy runs 1.7%. DLRadar's demographic-stress index for the area reads 36/100. A median home runs $1,497,200 here, or 7.0 times local income. Around 53% of adults hold a bachelor's degree or higher. The tenure split is 82% owner-occupied to 18% rented. Around 38% of renters are cost-burdened. 19,513 residents call 95138 home, typically aged 39. 5.3% of residents fall below the poverty threshold. There are about 5,729 housing units across 95138. Households earn a median $194,300 — above the roughly $78,000 national figure.
Net-net, 95138 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. While 95138 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.
No ZIP is too small to score: 95138 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. The score is rebuilt from public data as it updates, so 95138 reflects the current record instead of a stale or modeled snapshot.
The 20/100 figure for 95138 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. In workflow terms, 95138 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.
What is driving ZIP 95138’s distress
Delinquency on tax, investor concentration, insurance pressure, NFIP flood, lagging construction, price dislocation and sale velocity — and the 0 individual distressed properties — each with owner, address, APN, its own distress score and an exit read — are in the full report.
The 95138 distress snapshot
95138 live: composite distress, market phase, housing detail and lender pressure, identical to the per-property report.
Santa Clara County ZIPs near 95138
Nearest ZIP codes to 95138
By straight-line distance between ZIP centers — the surrounding market, whichever county or state line it crosses.
Explore related distress reports
Further distress data across Santa Clara County, California at ZIP, county and state level.
Open the complete 95138 acquisition file
Pull every distressed parcel in 95138 — owner, address, APN, distress score, lender exposure and exit read — with owner and lender records one click away. Nationwide coverage, continuously updated.
Rules-based scoring — each signal ties to a public dataset · methodology