ZIP 07481 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 07481 (Bergen County, New Jersey) lands at 25/100 — low on DLRadar's public-record scoring. Climate and flood risk are elevated too — climate & FEMA risk (98/100), flood (NFIP) exposure (94/100). Property-level stress concentrates in structural risk (57/100), construction/permit lag (37/100), institutional ownership (21/100). institutional ownership (21/100) and mortgage stress (8/100) stay muted. Structural risk reads 57/100 against active distress of 2/100.

The expansion-phase market in 07481 posted values that rose 5.2% over the year, and 29% higher over three years, at 35/100 phase confidence. Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

The ZIP holds roughly 6,247 housing units. At $196,632, median income runs above typical U.S. levels. 91% of housing is owner-occupied. 2.4% of residents fall below the poverty threshold. The vacancy rate is 6.1%. On demographic stress specifically, 07481 scores 27/100. Population is roughly 16,866 with a median age of 47. Educational attainment sits at 67% bachelor's-or-above. Home values center near $925,700, an affordability ratio of 4.6×. Around 48% of renters are cost-burdened.

Net-net, 07481 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. 07481 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

The number is not local guesswork: 07481's 25/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. Sparse data for 07481 shows as blanks, never estimates, and the score updates on every fresh public filing.

07481's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. In workflow terms, 07481 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.