ZIP 07438 Foreclosure, Tax-Lien & Distress Report
Morris County, New Jersey · Distress market
Scored purely from public records, 07438 (Morris County, New Jersey) returns a low composite of 26/100. The latent-versus-live split is 60/100 structural and 2/100 already moving. It additionally carries heavy environmental risk: climate & FEMA risk (94/100), flood (NFIP) exposure (85/100). Its standout signals are construction/permit lag (60/100), structural risk (60/100), institutional ownership (19/100). By contrast, institutional ownership (19/100) and mortgage stress (7/100) register low.
The expansion-phase market in 07438 posted values that rose 5.2% over the year, and 27% higher over three years, at 35/100 phase confidence. Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.
About 11,045 people live here, median age 46. Median household income is $119,594, above the U.S. median near $78,000. The tenure split is 89% owner-occupied to 11% rented. The demographic-stress sub-score lands at 26/100. The ZIP holds roughly 4,509 housing units. About 43% have a four-year degree. The vacancy rate is 4.1%. 6.6% of residents fall below the poverty threshold. The typical home is worth about $436,900 (3.5× income, relatively affordable). Around 42% of renters are cost-burdened.
On balance 07438 is mixed, rewarding parcel-by-parcel screening over broad assumptions. Parcel-level detail for 07438 is not published yet -- the ZIP-level readings above remain fully sourced to public records.
The 07438 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 07438 stays directly comparable to neighboring ZIPs and the rest of Morris County, New Jersey. Sparse data for 07438 shows as blanks, never estimates, and the score updates on every fresh public filing.
07438's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. Treat 07438 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.
Signal-by-signal read on 07438
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 broken out by owner, address, APN, per-property score and exit read inside DLRadar.
07438 at a glance
The live 07438 panel — distress score, market phase, housing and bank pressure — as attached to every individual property.
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Get the full acquisition report for 07438
Every distressed parcel in 07438 comes with owner and address, APN, its own distress score, bank exposure and an exit-velocity read — plus a one-click path to funding and closing, refreshed continuously nationwide.
Deterministic scoring, sourced entirely from public data · methodology