ZIP 07070 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 07070 (Bergen County, New Jersey) lands at 25/100 — low on DLRadar's public-record scoring. Climate and flood risk are elevated too — climate & FEMA risk (98/100), flood (NFIP) exposure (94/100). The sharpest non-environmental signals are structural risk (57/100), construction/permit lag (37/100), institutional ownership (21/100). On the quiet end sit institutional ownership (21/100) and mortgage stress (8/100). Latent structural risk is 57/100 while live distress already moving reads 2/100.

Prices here sit in a expansion phase: values rose 5.2% over the trailing year, and 29% higher over three years, at 35/100 phase confidence. Even climbing markets leave specific parcels in distress; the scoring isolates them.

About 18,748 people live here, median age 41. At $136,069, median income runs above typical U.S. levels. The ZIP holds roughly 7,129 housing units. Rent burden reaches 28% of tenant households. 63% of housing is owner-occupied. About 59% have a four-year degree. The vacancy rate is 2.9%. On demographic stress specifically, 07070 scores 27/100. The typical home is worth about $603,600 (4.3× income). Roughly 4.8% live below the poverty line, a low share typical of higher-equity areas.

Overall, 07070 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

The 07070 read uses the identical public-record model applied coast to coast, which means its 25/100 score means exactly what it means anywhere else, and 07070 stays directly comparable to neighboring ZIPs and the rest of Bergen County, New Jersey. Where the public record is thin for 07070, the field stays empty rather than modeled, and fills in as new documents post.

Each component behind 07070 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 25/100 roll-up. Treat 07070 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.