ZIP 07020 Foreclosure, Tax-Lien & Distress Report

Bergen County, New Jersey's ZIP 07020 registers 26/100 composite distress, which DLRadar reads as low. The pressure is most legible in structural risk (58/100), construction/permit lag (40/100), institutional ownership (21/100). institutional ownership (21/100) and mortgage stress (8/100) stay muted. It additionally carries heavy environmental risk: climate & FEMA risk (98/100), flood (NFIP) exposure (94/100). Latent structural risk is 58/100 while live distress already moving reads 2/100.

The market reads expansion — home values rose 5.2% year on year, and 36% higher over three years, at 35/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

At $137,847, median income runs above typical U.S. levels. 6.2% of residents fall below the poverty threshold. Rent burden reaches 31% of tenant households. The demographic-stress sub-score lands at 31/100. Educational attainment sits at 74% bachelor's-or-above. There are about 7,872 housing units across 07020. Population is roughly 14,544 with a median age of 40. Owners hold 41% of homes, renters 59%. A median home runs $715,700 here, or 5.3 times local income. Vacancy runs 7.8%.

Overall, 07020 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. There is no property file for 07020 at the moment; the composite and its components are still built from verifiable records.

The number is not local guesswork: 07020's 26/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. Nothing here is interpolated — where a source is thin for 07020, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

The 26/100 figure for 07020 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. For an operator, 07020 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.