ZIP 07074 Foreclosure, Tax-Lien & Distress Report

In Bergen County, New Jersey, ZIP 07074 scores 26 of 100 for composite distress, a low level on DLRadar's distress index. The latent-versus-live split is 58/100 structural and 2/100 already moving. The sharpest non-environmental signals are structural risk (58/100), construction/permit lag (40/100), institutional ownership (21/100). By contrast, institutional ownership (21/100) and mortgage stress (8/100) register low. Environmental exposure also runs high (climate & FEMA risk (98/100), flood (NFIP) exposure (94/100)).

The expansion-phase market in 07074 posted values that rose 5.2% over the year, and 35% higher over three years, at 35/100 phase confidence. Even climbing markets leave specific parcels in distress; the scoring isolates them.

Population is roughly 3,106 with a median age of 38. The typical home is worth about $445,800 (4.2× income). Vacancy runs 4.9%. The poverty rate is 4.0% — low. Owners hold 69% of homes, renters 31%. Households earn a median $108,359 — above the roughly $78,000 national figure. Around 30% of renters are cost-burdened. The demographic-stress sub-score lands at 30/100. There are about 1,124 housing units across 07074. Educational attainment sits at 27% bachelor's-or-above.

Net-net, 07074 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. 07074 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

Big metro or rural, 07074 runs through one identical scoring model, so its 26/100 sits on the same scale as every other ZIP in Bergen County, New Jersey and the nation. Nothing here is interpolated — where a source is thin for 07074, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

The 26/100 figure for 07074 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. Practically, 07074 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.