ZIP 95140 Foreclosure, Tax-Lien & Distress Report

In Santa Clara County, California, ZIP 95140 scores 20 of 100 for composite distress, a low level on DLRadar's distress index. Property-level stress concentrates in structural risk (42/100), institutional ownership (14/100). institutional ownership (14/100) stay muted. Climate and flood risk are elevated too — climate & FEMA risk (100/100), flood (NFIP) exposure (62/100). The latent-versus-live split is 42/100 structural and 0/100 already moving.

Prices here sit in a contraction phase: values fell 1.0% over the trailing year, 1.6% off the recent peak (phase confidence 19/100). A cooling market tends to open discount-to-value windows.

About 76% have a four-year degree. 100% of housing is owner-occupied. DLRadar's demographic-stress index for the area reads 56/100. 14.6% of residents fall below the poverty threshold. About 41 people live here, median age 62. The vacancy rate is 51.5% — elevated. The ZIP holds roughly 35 housing units.

Taken together, 95140 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Parcel-level detail for 95140 is not published yet -- the ZIP-level readings above remain fully sourced.

The number is not local guesswork: 95140's 20/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. The score is rebuilt from public data as it updates, so 95140 reflects the current record instead of a stale or modeled snapshot.

The 20/100 figure for 95140 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. For a buyer, 95140 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.