ZIP 07423 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 07423 (Bergen County, New Jersey) returns a low composite of 25/100. It additionally carries heavy environmental risk: climate & FEMA risk (98/100), flood (NFIP) exposure (94/100). The pressure is most legible in structural risk (57/100), construction/permit lag (37/100), institutional ownership (21/100). By contrast, institutional ownership (21/100) and mortgage stress (8/100) register low. The latent-versus-live split is 57/100 structural and 2/100 already moving.

Prices here sit in a expansion phase: values rose 5.2% over the trailing year, and 37% higher over three years, at 35/100 phase confidence. Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

Population is roughly 4,230 with a median age of 43. Households earn a median $250,001 — above the roughly $78,000 national figure. Home values center near $1,092,500, an affordability ratio of 4.1×. On demographic stress specifically, 07423 scores 21/100. Owners hold 91% of homes, renters 9%. The vacancy rate is 7.0%. Rent burden reaches 23% of tenant households. Educational attainment sits at 81% bachelor's-or-above. The ZIP holds roughly 1,500 housing units. The poverty rate is 0.0% — low.

On balance 07423 is mixed, rewarding parcel-by-parcel screening over broad assumptions. Parcel-level detail for 07423 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

Whether 07423 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 07423 can be compared directly against any other ZIP in Bergen County, New Jersey or nationwide. Sparse data for 07423 shows as blanks, never estimates, and the score updates on every fresh public filing.

Each component behind 07423 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 25/100 roll-up. Treat 07423 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.