ZIP 07407 Foreclosure, Tax-Lien & Distress Report
Bergen County, New Jersey · Distress market
Composite property distress in 07407 (Bergen County, New Jersey) lands at 25/100 — low on DLRadar's public-record scoring. Latent structural risk is 57/100 while live distress already moving reads 2/100. Climate and flood risk are elevated too — climate & FEMA risk (98/100), flood (NFIP) exposure (94/100). Leading the profile are structural risk (57/100), construction/permit lag (37/100), institutional ownership (21/100). On the quiet end sit institutional ownership (21/100) and mortgage stress (8/100).
The expansion-phase market in 07407 posted values that rose 5.2% over the year, and 29% higher over three years (phase confidence 35/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.
Population is roughly 21,287 with a median age of 40. Roughly 10.0% live below the poverty line. Owners hold 57% of homes, renters 43%. Median household income is $100,852, above the U.S. median near $78,000. The vacancy rate is 3.9%. Around 36% of adults hold a bachelor's degree or higher. The ZIP holds roughly 7,765 housing units. On demographic stress specifically, 07407 scores 34/100. The typical home is worth about $483,700 (4.5× income). Rent burden reaches 44% of tenant households.
On balance 07407 is mixed, rewarding parcel-by-parcel screening over broad assumptions. Parcel-level detail for 07407 is not published yet -- the ZIP-level readings above remain fully sourced to public records.
No ZIP is too small to score: 07407 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 25/100 composite is a like-for-like number rather than an isolated estimate. Every figure is auditable to a public dataset and refreshed on ingest; 07407 shows blanks, not estimates, wherever the record is sparse.
Behind 07407's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. For a buyer, 07407 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.
Distress signal breakdown — ZIP 07407
Delinquent tax, institutional holdings, insurance strain, flood/NFIP exposure, build-out lag, price dislocation and auction pace — along with the 0 individual distressed properties are listed in full, with owner, address, APN, per-parcel score and exit-velocity read.
Snapshot: 07407 by the numbers
Real-time distress, cycle phase, housing and bank-stress readings for 07407, the same set carried on every parcel.
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Deterministic scoring, sourced entirely from public data · methodology