ZIP 07440 Foreclosure, Tax-Lien & Distress Report

On DLRadar's 0-100 public-record scale, ZIP 07440 in Morris County, New Jersey comes in at 26, a low composite-distress reading. The sharpest non-environmental signals are construction/permit lag (60/100), structural risk (60/100), institutional ownership (19/100). On the quiet end sit institutional ownership (19/100) and mortgage stress (7/100). It additionally carries heavy environmental risk: climate & FEMA risk (94/100), flood (NFIP) exposure (84/100). Latent structural risk is 60/100 while live distress already moving reads 2/100.

The market reads expansion — home values rose 5.2% year on year, and 15% higher over three years, at 35/100 phase confidence. Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

Households earn a median $147,976 — above the roughly $78,000 national figure. About 48% have a four-year degree. About 4,810 people live here, median age 37. A median home runs $591,500 here, or 3.5 times local income. The ZIP holds roughly 1,577 housing units. 88% of housing is owner-occupied. Rent burden reaches 11% of tenant households. DLRadar's demographic-stress index for the area reads 20/100. Roughly 2.0% live below the poverty line, a low share typical of higher-equity areas. The vacancy rate is 0.0%.

Net-net, 07440 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. No parcel file is published for 07440 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

Big metro or rural, 07440 runs through one identical public-record model, so its 26/100 sits on the same scale as every other ZIP in Morris County, New Jersey and the nation. Nothing here is interpolated — where a source is thin for 07440, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

07440'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. The point of the 07440 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.