ZIP 07436 Foreclosure, Tax-Lien & Distress Report

ZIP code 07436 in Bergen County, New Jersey carries a composite property-distress score of 26/100 — a low reading on DLRadar's deterministic distress index. The split runs 58/100 structural to 2/100 active on the ground. Climate and flood risk are elevated too — climate & FEMA risk (98/100), flood (NFIP) exposure (94/100). What sets it apart are the readings on structural risk (58/100), construction/permit lag (40/100), institutional ownership (21/100). On the quiet end sit institutional ownership (21/100) and mortgage stress (8/100).

The expansion-phase market in 07436 posted values that rose 5.2% over the year, and 25% higher over three years (phase confidence 35/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

12,676 residents call 07436 home, typically aged 42. 92% of housing is owner-occupied. 3.2% of residents fall below the poverty threshold. There are about 4,675 housing units across 07436. Home values center near $591,000, an affordability ratio of 3.5× — accessible. Around 54% of adults hold a bachelor's degree or higher. Around 52% of renters are cost-burdened. The demographic-stress sub-score lands at 26/100. The vacancy rate is 6.2%. Households earn a median $162,763 — above the roughly $78,000 national figure.

Overall, 07436 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. There is no property file for 07436 at the moment; the composite and its components are still built from verifiable records.

Because one deterministic model scores every ZIP, 07436's 26/100 can be lined up against any neighbor in Bergen County, New Jersey or any ZIP coast to coast. Where the record is thin for 07436, the field stays empty rather than modeled, and fills in as new documents post.

The 26/100 for 07436 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. The point of the 07436 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.