ZIP 07023 Foreclosure, Tax-Lien & Distress Report

In Union County, New Jersey, ZIP 07023 scores 22 of 100 for composite distress, a low level on DLRadar's distress index. Structural risk reads 50/100 against active distress of 2/100. Climate and flood risk are elevated too — climate & FEMA risk (95/100), flood (NFIP) exposure (92/100). What sets it apart are the readings on structural risk (50/100), institutional ownership (20/100), construction/permit lag (14/100). On the quiet end sit construction/permit lag (14/100) and mortgage stress (8/100).

Prices here sit in a expansion phase: values rose 5.2% over the trailing year, and 31% higher over three years, at 35/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

7,714 residents call 07023 home, typically aged 42. Owners hold 86% of homes, renters 14%. There are about 2,898 housing units across 07023. The demographic-stress sub-score lands at 24/100. Home values center near $635,200, an affordability ratio of 3.5× — accessible. About 71% have a four-year degree. The vacancy rate is 0.3%. 1.4% of residents fall below the poverty threshold. At $176,667, median income runs above typical U.S. levels. Rent burden reaches 57% of tenant households.

Overall 07023 looks resilient on the surface, so the edge is isolating individual stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

The number is not local guesswork: 07023's 22/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. The score is rebuilt from public data as it updates, so 07023 reflects the current record instead of a stale or modeled snapshot.

Behind 07023'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. Treat 07023 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.