ZIP 95138 — San Jose

The area is generally considered a safe, affluent residential enclave with crime rates significantly lower than the broader San Jose and regional averages.

The ZIP is served by highly rated schools within the Evergreen and East Side Union High School Districts, which are recognized for strong academic performance.

The area faces moderate wildfire risk due to its hillside location and proximity to open space, necessitating standard fire-safety precautions and insurance coverage.

Development is characterized by established luxury residential enclaves and the Silver Creek Valley Country Club, with limited new large-scale commercial expansion.

Composed from the ARED governance burden registry — tier-native tax structure (state + county + city + special districts), never averaged. State (California) — Mello-Roos Community Facilities Act Special Parcel Tax Assessment: Levies an annual direct, non-ad valorem special tax directly on the parcel's secured property tax bill to fund designated community infrastructure (e.g., roads, sewer facilities, school facilities, emergency services) and repay municipal debt bonds. State (California) — California Homeowners' Property Tax Exemption: Reduces the taxable assessed value of the qualifying owner-occupied principal residence by $7,000 against the county assessment roll, generating a direct tax savings of approximately $70 annually (computed as $7,000 × 1% base rate). State (California) — California Proposition 13 Ad Valorem Real Property Tax: Establishes a base ad valorem tax rate capped at 1.0% of assessed value plus voter-approved local indebtedness and direct assessments (typically resulting in an effective tax rate of 1.1% to 1.25%).

Residents primarily commute via Highway 101 or Capitol Expressway toward major Silicon Valley employment hubs, with typical drive times varying by peak traffic conditions.

The area features extensive access to the Silver Creek Valley Country Club, nearby regional parks, and hiking trails, with convenient shopping centers located in the Evergreen district.

The rental market is characterized by high-end single-family home leases with low vacancy pressure and limited short-term rental inventory.

The economy is anchored by the broader Silicon Valley tech sector, with residents largely employed in high-tech, engineering, and professional services.

Transportation is heavily reliant on private vehicles, with access to Highway 101 and I-680; public transit options are limited compared to central San Jose.

Development is largely restricted to residential infill and luxury home upgrades due to the area's established hillside zoning.

The Santa Clara County Assessor maintains property values based on Proposition 13, with annual increases capped at 2% unless a change in ownership occurs.

Parcels are subject to various special tax districts, including school district bonds and local utility assessments for water and flood control.

Property insurance premiums are rising due to regional wildfire risk, with many carriers requiring specific fire-mitigation certifications for coverage.