ZIP 95139 Foreclosure, Tax-Lien & Distress Report

On DLRadar's 0-100 distress scale, ZIP 95139 in Santa Clara County, California comes in at 20, a low composite-distress reading. The pressure is most legible in 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. 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 market reads contraction — home values fell 1.0% year on year, 1.6% off the recent peak, and 17% higher over three years, at 19/100 phase confidence. Falling values surface more motivated sellers and below-market exits.

The ZIP holds roughly 2,195 housing units. 2.8% of residents fall below the poverty threshold. Around 27% of renters are cost-burdened. Around 47% of adults hold a bachelor's degree or higher. At $193,061, median income runs above typical U.S. levels. A median home runs $1,169,300 here, or 5.8 times local income. 79% of housing is owner-occupied. About 7,113 people live here, median age 40. The demographic-stress sub-score lands at 31/100. Vacancy runs 0.8%.

Net-net, 95139 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. No parcel file is published for 95139 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

The 95139 read uses the identical scoring model applied coast to coast, which means its 20/100 score means exactly what it means anywhere else, and 95139 stays directly comparable to neighboring ZIPs and the rest of Santa Clara County, California. Sparse data for 95139 shows as blanks, never estimates, and the score updates on every fresh public filing.

The 20/100 figure for 95139 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. Practically, 95139 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.