ZIP 07512 Foreclosure, Tax-Lien & Distress Report

ZIP 07512's composite property-distress score is 26/100 - DLRadar classes that as low for Passaic County, New Jersey. Leading the profile are structural risk (60/100), construction/permit lag (57/100), institutional ownership (20/100). On the quiet end sit institutional ownership (20/100) and mortgage stress (8/100). It additionally carries heavy environmental risk: climate & FEMA risk (95/100), flood (NFIP) exposure (90/100). The latent-versus-live split is 60/100 structural and 2/100 already moving.

The expansion-phase market in 07512 posted values that rose 5.2% over the year, and 24% 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 3,980 housing units. The vacancy rate is 2.8%. Households earn a median $114,177 — above the roughly $78,000 national figure. Educational attainment sits at 38% bachelor's-or-above. Population is roughly 10,919 with a median age of 43. The demographic-stress sub-score lands at 26/100. Roughly 3.8% live below the poverty line, a low share typical of higher-equity areas. The tenure split is 76% owner-occupied to 24% rented. Around 13% of renters are cost-burdened. Home values center near $559,300, an affordability ratio of 4.5×.

On balance 07512 is mixed, rewarding parcel-by-parcel screening over broad assumptions. No parcel file is published for 07512 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

No ZIP is too small to score: 07512 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. The score is rebuilt from public data as it updates, so 07512 reflects the current record instead of a stale or modeled snapshot.

07512'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. For an operator, 07512 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.