ZIP 07045 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 07045 (Morris County, New Jersey) at a low 26/100 for overall property distress. Structural exposure scores 60 and live distress 2 on the 0–100 scale. The most distinctive pressure shows up in construction/permit lag (60/100), structural risk (60/100), institutional ownership (19/100). On the quiet end sit institutional ownership (19/100) and mortgage stress (7/100). Climate and flood risk are elevated too — climate & FEMA risk (94/100), flood (NFIP) exposure (84/100).

The market reads expansion — home values rose 5.2% year on year, and 18% higher over three years, at 35/100 phase confidence. Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

Population is roughly 10,206 with a median age of 49. On demographic stress specifically, 07045 scores 22/100. Home values center near $669,400, an affordability ratio of 3.6× — accessible. There are about 3,952 housing units across 07045. Rent burden reaches 37% of tenant households. About 68% have a four-year degree. Vacancy runs 2.5%. Roughly 2.9% live below the poverty line, a low share typical of higher-equity areas. The tenure split is 98% owner-occupied to 2% rented. Households earn a median $179,279 — above the roughly $78,000 national figure.

On balance 07045 is mixed, rewarding parcel-by-parcel screening over broad assumptions. No parcel file is published for 07045 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

Whether 07045 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 07045 can be compared directly against any other ZIP in Morris County, New Jersey or nationwide. The score is rebuilt from public data as it updates, so 07045 reflects the current record instead of a stale or modeled snapshot.

Behind 07045'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, 07045 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.