ZIP 95148 Foreclosure, Tax-Lien & Distress Report

ZIP code 95148 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. On the structural side it scores 44/100, with 2/100 of stress already active. It additionally carries heavy environmental risk: climate & FEMA risk (100/100), flood (NFIP) exposure (65/100).

The market reads peak — home values held roughly flat year on year, and 13% higher over three years (phase confidence 12/100). Topping markets hide individual distress behind strong averages.

The ZIP holds roughly 12,369 housing units. 80% of housing is owner-occupied. The poverty rate is 6.2% — low. The typical home is worth about $1,279,500 (7.5× income, severely stretched). Around 47% of renters are cost-burdened. The demographic-stress sub-score lands at 41/100. At $160,729, median income runs above typical U.S. levels. The vacancy rate is 2.2%. Around 40% of adults hold a bachelor's degree or higher. About 45,392 people live here, median age 41.

Net-net, 95148 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.