ZIP 95138 Foreclosure, Tax-Lien & Distress Report

Santa Clara County, California's ZIP 95138 registers 20/100 composite distress, which DLRadar reads as low. Structural risk reads 44/100 against active distress of 2/100. The most distinctive pressure shows up in structural risk (44/100), institutional ownership (15/100), mortgage stress (6/100). mortgage stress (6/100) and construction/permit lag (3/100) stay muted. Climate and flood risk are elevated too — climate & FEMA risk (100/100), flood (NFIP) exposure (65/100).

Prices here sit in a peak phase: values held roughly flat over the trailing year, and 14% higher over three years, at 12/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Vacancy runs 1.7%. On demographic stress specifically, 95138 scores 36/100. A median home runs $1,497,200 here, or 7.0 times local income. About 53% have a four-year degree. The tenure split is 82% owner-occupied to 18% rented. Rent burden reaches 38% of tenant households. 19,513 residents call 95138 home, typically aged 39. Roughly 5.3% live below the poverty line, a low share typical of higher-equity areas. There are about 5,729 housing units across 95138. Households earn a median $194,300 — above the roughly $78,000 national figure.

Overall, 95138 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.