ZIP 95148 Foreclosure, Tax-Lien & Distress Report

In Santa Clara County, California, ZIP 95148 scores 20 of 100 for composite distress, a low level on DLRadar's distress index. What sets it apart are the readings on structural risk (42/100), institutional ownership (14/100), mortgage stress (6/100). On the quiet end sit institutional ownership (14/100) and mortgage stress (6/100). Latent structural risk is 42/100 while live distress already moving reads 2/100. Climate and flood risk are elevated too — climate & FEMA risk (100/100), flood (NFIP) exposure (62/100).

The contraction-phase market in 95148 posted values that fell 1.0% over the year, 1.6% off the recent peak, and 13% higher over three years, at 19/100 phase confidence. Softening prices widen the spread between distressed and market value — what acquisition buyers watch for.

There are about 12,369 housing units across 95148. The tenure split is 80% owner-occupied to 20% rented. The poverty rate is 6.2% — low. Home values center near $1,279,500, an affordability ratio of 7.5× — stretched. Around 47% of renters are cost-burdened. On demographic stress specifically, 95148 scores 41/100. Median household income is $160,729, above the U.S. median near $78,000. The vacancy rate is 2.2%. Educational attainment sits at 40% bachelor's-or-above. 45,392 residents call 95148 home, typically aged 41.

Taken together, 95148 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. While 95148 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

The 95148 read uses the identical scoring model applied coast to coast, which means its 20/100 score means exactly what it means anywhere else, and 95148 stays directly comparable to neighboring ZIPs and the rest of Santa Clara County, California. Nothing here is interpolated — where a source is thin for 95148, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

The 20/100 for 95148 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. In workflow terms, 95148 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.