ZIP 07465 Foreclosure, Tax-Lien & Distress Report

In Passaic County, New Jersey, ZIP 07465 scores 26 of 100 for composite distress, a low level on DLRadar's public-record index. Structural exposure scores 60 and live distress 2 on the 0–100 scale. Property-level stress concentrates in structural risk (60/100), construction/permit lag (57/100), institutional ownership (20/100). institutional ownership (20/100) and mortgage stress (8/100) stay muted. It additionally carries heavy environmental risk: climate & FEMA risk (95/100), flood (NFIP) exposure (90/100).

Prices here sit in a expansion phase: values rose 5.2% over the trailing year, and 30% higher over three years (phase confidence 35/100). Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

Home values center near $419,700, an affordability ratio of 3.4× — accessible. The vacancy rate is 1.6%. Population is roughly 5,969 with a median age of 50. The demographic-stress sub-score lands at 21/100. The poverty rate is 3.1% — low. About 46% have a four-year degree. The tenure split is 84% owner-occupied to 16% rented. The ZIP holds roughly 2,608 housing units. Rent burden reaches 22% of tenant households. At $113,673, median income runs above typical U.S. levels.

On balance 07465 is mixed, rewarding parcel-by-parcel screening over broad assumptions. While 07465 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

No ZIP is too small to score: 07465 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 26/100 composite is a like-for-like number rather than an isolated estimate. Nothing here is interpolated — where a source is thin for 07465, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

Behind 07465's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. The point of the 07465 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.