ZIP 07401 Foreclosure, Tax-Lien & Distress Report

Bergen County, New Jersey's ZIP 07401 registers 25/100 composite distress, which DLRadar reads as low. The split runs 57/100 structural to 2/100 active on the ground. Property-level stress concentrates in structural risk (57/100), construction/permit lag (37/100), institutional ownership (21/100). institutional ownership (21/100) and mortgage stress (8/100) stay muted. Environmental exposure also runs high (climate & FEMA risk (98/100), flood (NFIP) exposure (94/100)).

The expansion-phase market in 07401 posted values that rose 5.2% over the year, and 30% higher over three years, at 35/100 phase confidence. Even climbing markets leave specific parcels in distress; the scoring isolates them.

There are about 2,690 housing units across 07401. Owners hold 77% of homes, renters 23%. At $156,992, median income runs above typical U.S. levels. The poverty rate is 3.3% — low. The typical home is worth about $782,700 (4.9× income). Vacancy runs 6.9%. Rent burden reaches 49% of tenant households. On demographic stress specifically, 07401 scores 29/100. 6,820 residents call 07401 home, typically aged 46. About 72% have a four-year degree.

Overall, 07401 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. No parcel file is published for 07401 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

Because one deterministic model scores every ZIP, 07401's 25/100 can be lined up against any neighbor in Bergen County, New Jersey or any ZIP coast to coast. Where the public record is thin for 07401, the field stays empty rather than modeled, and fills in as new documents post.

The 25/100 figure for 07401 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, 07401 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.