ZIP 07463 Foreclosure, Tax-Lien & Distress Report

In Bergen County, New Jersey, ZIP 07463 scores 25 of 100 for composite distress, a low level on DLRadar's public-record index. Structurally it carries 57/100, against 2/100 of stress already in motion. The sharpest non-environmental signals are structural risk (57/100), construction/permit lag (37/100), institutional ownership (21/100). On the quiet end sit institutional ownership (21/100) and mortgage stress (8/100). Environmental exposure also runs high (climate & FEMA risk (98/100), flood (NFIP) exposure (94/100)).

Prices here sit in a expansion phase: values rose 5.2% over the trailing year, and 32% higher over three years (phase confidence 35/100). Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

The ZIP holds roughly 3,490 housing units. At $155,526, median income runs above typical U.S. levels. Home values center near $588,500, an affordability ratio of 3.7× — accessible. The tenure split is 88% owner-occupied to 12% rented. Rent burden reaches 58% of tenant households. The demographic-stress sub-score lands at 27/100. Vacancy runs 1.5%. Roughly 2.2% live below the poverty line, a low share typical of higher-equity areas. 10,090 residents call 07463 home, typically aged 40. Around 57% of adults hold a bachelor's degree or higher.

On balance 07463 is mixed, rewarding parcel-by-parcel screening over broad assumptions. Parcel-level detail for 07463 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

Whether 07463 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 07463 can be compared directly against any other ZIP in Bergen County, New Jersey or nationwide. Nothing here is interpolated — where a source is thin for 07463, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

The 25/100 figure for 07463 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. Practically, 07463 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.