ZIP 07004 Foreclosure, Tax-Lien & Distress Report

ZIP code 07004 in Essex County, New Jersey carries a composite property-distress score of 24/100 — a low reading on DLRadar's deterministic public-record index. It additionally carries heavy environmental risk: climate & FEMA risk (97/100), flood (NFIP) exposure (89/100). Structural risk reads 54/100 against active distress of 2/100. The sharpest non-environmental signals are structural risk (54/100), construction/permit lag (31/100), institutional ownership (20/100). By contrast, institutional ownership (20/100) and mortgage stress (8/100) register low.

The market reads expansion — home values rose 5.2% year on year, and 25% higher over three years (phase confidence 35/100). Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

Vacancy runs 1.7%. Population is roughly 7,712 with a median age of 50. Roughly 10.0% live below the poverty line. Owners hold 79% of homes, renters 21%. Around 70% of renters are cost-burdened. About 52% have a four-year degree. The demographic-stress sub-score lands at 38/100. The typical home is worth about $688,500 (5.7× income). Median household income is $113,750, above the U.S. median near $78,000. The ZIP holds roughly 3,137 housing units.

Broadly, 07004 is a steadier market — the deals are the exceptions, not the rule. While 07004 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

The 07004 read uses the identical public-record model applied coast to coast, which means its 24/100 score means exactly what it means anywhere else, and 07004 stays directly comparable to neighboring ZIPs and the rest of Essex County, New Jersey. The score is rebuilt from public data as it updates, so 07004 reflects the current record instead of a stale or modeled snapshot.

The 24/100 for 07004 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. Treat 07004 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.