ZIP 95139 Property Distress & Foreclosure Data

ZIP code 95139 in Santa Clara County, California carries a composite property-distress score of 20/100 — a low reading on DLRadar's deterministic public-record index. What sets it apart are the readings on structural risk (44/100), institutional ownership (15/100), mortgage stress (6/100). By contrast, mortgage stress (6/100) and construction/permit lag (3/100) register low. It additionally carries heavy environmental risk: climate & FEMA risk (100/100), flood (NFIP) exposure (65/100). The latent-versus-live split is 44/100 structural and 2/100 already moving.

The market reads peak — home values held roughly flat year on year, and 17% higher over three years (phase confidence 12/100). Topping markets hide individual distress behind strong averages.

The ZIP holds roughly 2,195 housing units. The poverty rate is 2.8% — low. 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. The typical home is worth about $1,169,300 (5.8× 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. The vacancy rate is 0.8%.

Net-net, 95139 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.