ZIP 07446 Foreclosure, Tax-Lien & Distress Report
Bergen County, New Jersey · High Value market
In Bergen County, New Jersey, ZIP 07446 scores 26 of 100 for composite distress, a low level on DLRadar's distress index. Its heaviest discrete signals: structural risk (58/100), construction/permit lag (40/100), institutional ownership (21/100). institutional ownership (21/100) and mortgage stress (8/100) stay muted. Latent structural risk is 58/100 while live distress already moving reads 2/100. It additionally carries heavy environmental risk: climate & FEMA risk (98/100), flood (NFIP) exposure (94/100).
The market reads expansion — home values rose 5.2% year on year, and 28% higher over three years (phase confidence 35/100). Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.
The typical home is worth about $697,300 (4.0× income). The ZIP holds roughly 5,455 housing units. At $164,767, median income runs above typical U.S. levels. About 14,722 people live here, median age 41. 3.0% of residents fall below the poverty threshold. Educational attainment sits at 69% bachelor's-or-above. Vacancy runs 0.4%. The demographic-stress sub-score lands at 24/100. Rent burden reaches 39% of tenant households. The tenure split is 84% owner-occupied to 16% rented.
Overall, 07446 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.
The 07446 read uses the identical scoring model applied coast to coast, which means its 26/100 score means exactly what it means anywhere else, and 07446 stays directly comparable to neighboring ZIPs and the rest of Bergen County, New Jersey. Sparse data for 07446 shows as blanks, never estimates, and the score updates on every fresh public filing.
The 26/100 figure for 07446 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. Treat 07446 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.
What is driving ZIP 07446’s distress
Tax arrears, institutional buyers, insurance load, flood exposure, stalled construction, dislocated pricing and auction velocity — together with the 0 individual distressed properties come with owner, address, APN, an individual score and an exit read in the complete report.
07446 at a glance
The live 07446 panel — distress score, market phase, housing and bank pressure — as attached to every individual property.
Neighbouring ZIPs in Bergen County
Nearest ZIP codes to 07446
By straight-line distance between ZIP centers — the surrounding market, whichever county or state line it crosses.
Keep exploring New Jersey distress
Additional distress intelligence spanning Bergen County, New Jersey by ZIP, county and state.
Unlock the full ZIP 07446 acquisition report
Open 07446 parcel by parcel: owner, address, APN, individual distress score, lender exposure, exit-velocity estimate, and owner and lender records in a single click. Updated continuously across the country.
Each signal above is traceable to an open dataset · methodology