ZIP 07081 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 07081 (Union County, New Jersey) lands at 23/100 — low on DLRadar's public-record scoring. The split runs 51/100 structural to 2/100 active on the ground. The most distinctive pressure shows up in structural risk (51/100), institutional ownership (21/100), construction/permit lag (16/100). By contrast, construction/permit lag (16/100) and mortgage stress (8/100) register low. Environmental exposure also runs high (climate & FEMA risk (95/100), flood (NFIP) exposure (93/100)).

Prices here sit in a expansion phase: values rose 5.2% over the trailing year, and 26% higher over three years, at 35/100 phase confidence. Even climbing markets leave specific parcels in distress; the scoring isolates them.

Population is roughly 16,984 with a median age of 42. On demographic stress specifically, 07081 scores 26/100. The vacancy rate is 3.4%. Around 30% of renters are cost-burdened. The typical home is worth about $636,600 (4.0× income). About 64% have a four-year degree. Owners hold 62% of homes, renters 38%. The poverty rate is 5.5% — low. The ZIP holds roughly 7,277 housing units. Median household income is $146,059, above the U.S. median near $78,000.

Overall 07081 looks resilient on the surface, so the edge is isolating individual stressed parcels. While 07081 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

The 07081 read uses the identical public-record model applied coast to coast, which means its 23/100 score means exactly what it means anywhere else, and 07081 stays directly comparable to neighboring ZIPs and the rest of Union County, New Jersey. The score is rebuilt from public data as it updates, so 07081 reflects the current record instead of a stale or modeled snapshot.

The 23/100 figure for 07081 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. For a buyer, 07081 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.