ZIP 07304 Foreclosure, Tax-Lien & Distress Report
Hudson County, New Jersey · High Poverty market
In Hudson County, New Jersey, ZIP 07304 scores 25 of 100 for composite distress, a low level on DLRadar's public-record index. The split runs 55/100 structural to 2/100 active on the ground. Environmental exposure also runs high (climate & FEMA risk (96/100), flood (NFIP) exposure (89/100)). Its standout signals are structural risk (55/100), construction/permit lag (37/100), institutional ownership (20/100). By contrast, institutional ownership (20/100) and mortgage stress (8/100) register low.
The market reads expansion — home values rose 5.2% year on year, and 18% higher over three years, at 35/100 phase confidence. Even climbing markets leave specific parcels in distress; the scoring isolates them.
The typical home is worth about $537,200 (7.2× income, severely stretched). The ZIP holds roughly 22,275 housing units. The tenure split is 26% owner-occupied to 74% rented. About 40% have a four-year degree. The vacancy rate is 6.5%. The poverty rate is 20.0% — high, a tax-stress and distress correlate. About 49,260 people live here, median age 35. At $68,432, median income runs below typical U.S. levels. Around 42% of renters are cost-burdened. The demographic-stress sub-score lands at 46/100.
On balance 07304 is mixed, rewarding parcel-by-parcel screening over broad assumptions. While 07304 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.
Whether 07304 runs hot or quiet, its 25/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 07304 can be compared directly against any other ZIP in Hudson County, New Jersey or nationwide. The score is rebuilt from public data as it updates, so 07304 reflects the current record instead of a stale or modeled snapshot.
07304's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. For a buyer, 07304 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.
Signal-by-signal read on 07304
Delinquency on tax, investor concentration, insurance pressure, NFIP flood, lagging construction, price dislocation and sale velocity — and the 0 individual distressed properties (owner, address, APN, per-property score and exit read) are in the full DLRadar report.
ZIP 07304 Stress Report snapshot
Current distress, phase, housing and lender-pressure figures for 07304, drawn from the same report attached to each property.
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The complete 07304 distress and acquisition report
See who owns each distressed property in 07304, where it is, its APN and score, the bank behind it and how fast it should exit — then fund and close it in one click. Continuously refreshed, nationwide.
Deterministic scoring, sourced entirely from public data · methodology