ZIP 07031 Foreclosure, Tax-Lien & Distress Report
Bergen County, New Jersey · Distress market
DLRadar grades ZIP 07031 (Bergen County, New Jersey) at a low 26/100 for overall property distress. Its heaviest discrete signals: structural risk (58/100), construction/permit lag (40/100), institutional ownership (21/100). institutional ownership (21/100) and mortgage stress (8/100) stay muted. On the structural side it scores 58/100, with 2/100 of stress already active. Environmental exposure also runs high (climate & FEMA risk (98/100), flood (NFIP) exposure (94/100)).
The market reads expansion — home values rose 5.2% year on year, and 30% higher over three years (phase confidence 35/100). Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.
At $101,493, median income runs above typical U.S. levels. Vacancy runs 4.9%. Around 27% of renters are cost-burdened. Population is roughly 16,368 with a median age of 40. Roughly 3.7% live below the poverty line, a low share typical of higher-equity areas. Educational attainment sits at 39% bachelor's-or-above. Home values center near $474,500, an affordability ratio of 4.6×. There are about 6,900 housing units across 07031. DLRadar's demographic-stress index for the area reads 31/100. Owners hold 46% of homes, renters 54%.
On balance 07031 is mixed, rewarding parcel-by-parcel screening over broad assumptions. Parcel-level detail for 07031 is not published yet -- the ZIP-level readings above remain fully sourced.
Whether 07031 runs hot or quiet, its 26/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 07031 can be compared directly against any other ZIP in Bergen County, New Jersey or nationwide. Where the record is thin for 07031, the field stays empty rather than modeled, and fills in as new documents post.
07031's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. Treat 07031 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.
Signal-by-signal read on 07031
Tax arrears, institutional buyers, insurance load, flood exposure, stalled construction, dislocated pricing and auction velocity — together with the 0 individual distressed properties — each with owner, address, APN, its own distress score and an exit read — are in the full report.
ZIP 07031 Stress Report snapshot
The live 07031 panel — distress score, market phase, housing and bank pressure — as attached to every individual property.
Adjacent Bergen County ZIP reports
Nearest ZIP codes to 07031
By straight-line distance between ZIP centers — the surrounding market, whichever county or state line it crosses.
Explore related distress reports
Related ZIP, county and statewide reads linked to Bergen County, New Jersey.
Open the complete 07031 acquisition file
Open 07031 parcel by parcel: owner, address, APN, individual distress score, lender exposure, exit-velocity estimate, and owner and lender records in a single click. Updated continuously across the country.
Rules-based scoring — each signal ties to a public dataset · methodology