ZIP 07090 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 07090 (Union County, New Jersey) returns a low composite of 23/100. The latent-versus-live split is 51/100 structural and 2/100 already moving. It additionally carries heavy environmental risk: climate & FEMA risk (95/100), flood (NFIP) exposure (93/100). Its standout signals are structural risk (51/100), institutional ownership (21/100), construction/permit lag (16/100). construction/permit lag (16/100) and mortgage stress (8/100) stay muted.

Prices here sit in a expansion phase: values rose 5.2% over the trailing year, and 26% higher over three years (phase confidence 35/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

There are about 11,192 housing units across 07090. Roughly 2.1% live below the poverty line, a low share typical of higher-equity areas. The typical home is worth about $953,400 (4.4× income). 80% of housing is owner-occupied. The demographic-stress sub-score lands at 23/100. Vacancy runs 3.8%. About 77% have a four-year degree. At $212,700, median income runs above typical U.S. levels. Population is roughly 30,760 with a median age of 41. Rent burden reaches 26% of tenant households.

On balance, 07090 reads as a higher-equity, stable market where distress is selective and worth pinpointing parcel by parcel. Parcel-level detail for 07090 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

Whether 07090 runs hot or quiet, its 23/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 07090 can be compared directly against any other ZIP in Union County, New Jersey or nationwide. Every figure is auditable to a public dataset and refreshed on ingest; 07090 shows blanks, not estimates, wherever the record is sparse.

The 23/100 for 07090 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. In workflow terms, 07090 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.