ZIP 07421 Foreclosure, Tax-Lien & Distress Report

ZIP 07421's composite property-distress score is 26/100 - DLRadar classes that as low for Passaic County, New Jersey. It additionally carries heavy environmental risk: climate & FEMA risk (94/100), flood (NFIP) exposure (84/100). Leading the profile are structural risk (59/100), construction/permit lag (57/100), institutional ownership (19/100). institutional ownership (19/100) and mortgage stress (7/100) stay muted. Latent structural risk is 59/100 while live distress already moving reads 2/100.

The market reads expansion — home values rose 5.2% year on year, and 35% higher over three years, at 35/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

Vacancy runs 7.9%. The typical home is worth about $420,000 (2.8× income, relatively affordable). Educational attainment sits at 38% bachelor's-or-above. Median household income is $132,419, above the U.S. median near $78,000. 90% of housing is owner-occupied. There are about 3,076 housing units across 07421. About 7,660 people live here, median age 46. Around 47% of renters are cost-burdened. The poverty rate is 3.1% — low. The demographic-stress sub-score lands at 25/100.

On balance 07421 is mixed, rewarding parcel-by-parcel screening over broad assumptions. Parcel-level detail for 07421 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

The 07421 read uses the identical public-record model applied coast to coast, which means its 26/100 score means exactly what it means anywhere else, and 07421 stays directly comparable to neighboring ZIPs and the rest of Passaic County, New Jersey. Every figure is auditable to a public dataset and refreshed on ingest; 07421 shows blanks, not estimates, wherever the record is sparse.

The 26/100 figure for 07421 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. For an operator, 07421 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.