ZIP 07021 Foreclosure, Tax-Lien & Distress Report

ZIP 07021's composite property-distress score is 24/100 - DLRadar classes that as low for Essex County, New Jersey. On the structural side it scores 54/100, with 2/100 of stress already active. Climate and flood risk are elevated too — climate & FEMA risk (97/100), flood (NFIP) exposure (89/100). Its heaviest discrete signals: structural risk (54/100), construction/permit lag (31/100), institutional ownership (20/100). institutional ownership (20/100) and mortgage stress (8/100) stay muted.

The market reads expansion — home values rose 5.2% year on year, and 39% higher over three years, at 35/100 phase confidence. Even climbing markets leave specific parcels in distress; the scoring isolates them.

The tenure split is 97% owner-occupied to 3% rented. 0.4% of residents fall below the poverty threshold. The ZIP holds roughly 808 housing units. Around 50% of renters are cost-burdened. Home values center near $1,083,000, an affordability ratio of 3.9× — accessible. Vacancy runs 8.6%. About 82% have a four-year degree. On demographic stress specifically, 07021 scores 24/100. About 2,320 people live here, median age 44. Households earn a median $250,001 — above the roughly $78,000 national figure.

On balance, 07021 reads as a higher-equity, stable market where distress is selective and worth pinpointing parcel by parcel. While 07021 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

Big metro or rural, 07021 runs through one identical public-record model, so its 24/100 sits on the same scale as every other ZIP in Essex County, New Jersey and the nation. Every figure is auditable to a public dataset and refreshed on ingest; 07021 shows blanks, not estimates, wherever the record is sparse.

Behind 07021's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. In workflow terms, 07021 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.