ZIP 07016 Foreclosure, Tax-Lien & Distress Report

Union County, New Jersey's ZIP 07016 registers 22/100 composite distress, which DLRadar reads as low. Structurally it carries 50/100, against 2/100 of stress already in motion. The sharpest non-environmental signals are structural risk (50/100), institutional ownership (20/100), construction/permit lag (14/100). By contrast, construction/permit lag (14/100) and mortgage stress (8/100) register low. It additionally carries heavy environmental risk: climate & FEMA risk (95/100), flood (NFIP) exposure (92/100).

The market reads expansion — home values rose 5.2% year on year, and 30% higher over three years (phase confidence 35/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

Home values center near $660,100, an affordability ratio of 4.3×. There are about 9,661 housing units across 07016. The vacancy rate is 2.2%. Owners hold 78% of homes, renters 22%. 2.7% of residents fall below the poverty threshold. Median household income is $148,629, above the U.S. median near $78,000. About 23,841 people live here, median age 43. Educational attainment sits at 65% bachelor's-or-above. DLRadar's demographic-stress index for the area reads 24/100. Around 30% of renters are cost-burdened.

On balance, 07016 reads as a higher-equity, stable market where distress is selective and worth pinpointing parcel by parcel. While 07016 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

No ZIP is too small to score: 07016 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 22/100 composite is a like-for-like number rather than an isolated estimate. Sparse data for 07016 shows as blanks, never estimates, and the score updates on every fresh public filing.

Each component behind 07016 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 22/100 roll-up. Treat 07016 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.