ZIP 07204 Foreclosure, Tax-Lien & Distress Report

ZIP 07204's composite property-distress score is 23/100 - DLRadar classes that as low for Union County, New Jersey. The pressure is most legible 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. Structural exposure scores 51 and live distress 2 on the 0–100 scale. Climate and flood risk are elevated too — climate & FEMA risk (95/100), flood (NFIP) exposure (93/100).

The expansion-phase market in 07204 posted values that rose 5.2% over the year, and 29% higher over three years, at 35/100 phase confidence. Even climbing markets leave specific parcels in distress; the scoring isolates them.

The ZIP holds roughly 5,522 housing units. The poverty rate is 5.1% — low. Vacancy runs 2.5%. Around 29% of renters are cost-burdened. At $104,418, median income runs above typical U.S. levels. 13,965 residents call 07204 home, typically aged 39. Educational attainment sits at 39% bachelor's-or-above. Owners hold 60% of homes, renters 40%. On demographic stress specifically, 07204 scores 28/100. A median home runs $443,200 here, or 3.9 times local income.

On balance, 07204 reads as a higher-equity, stable market where distress is selective and worth pinpointing parcel by parcel. No parcel file is published for 07204 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

No ZIP is too small to score: 07204 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 23/100 composite is a like-for-like number rather than an isolated estimate. Nothing here is interpolated — where a source is thin for 07204, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

Each component behind 07204 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 23/100 roll-up. For a buyer, 07204 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.