ZIP 07604 Foreclosure, Tax-Lien & Distress Report

Bergen County, New Jersey's ZIP 07604 registers 25/100 composite distress, which DLRadar reads as low. It additionally carries heavy environmental risk: climate & FEMA risk (98/100), flood (NFIP) exposure (94/100). The split runs 57/100 structural to 2/100 active on the ground. Leading the profile are structural risk (57/100), construction/permit lag (37/100), institutional ownership (21/100). By contrast, institutional ownership (21/100) and mortgage stress (8/100) register low.

The market reads expansion — home values rose 5.2% year on year, and 23% higher over three years (phase confidence 35/100). Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

Households earn a median $118,670 — above the roughly $78,000 national figure. There are about 4,597 housing units across 07604. Home values center near $552,900, an affordability ratio of 4.3×. Around 42% of adults hold a bachelor's degree or higher. The vacancy rate is 4.0%. Owners hold 70% of homes, renters 30%. Roughly 9.4% live below the poverty line. The demographic-stress sub-score lands at 33/100. Around 52% of renters are cost-burdened. 12,067 residents call 07604 home, typically aged 44.

Net-net, 07604 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. No parcel file is published for 07604 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

The 07604 read uses the identical public-record model applied coast to coast, which means its 25/100 score means exactly what it means anywhere else, and 07604 stays directly comparable to neighboring ZIPs and the rest of Bergen County, New Jersey. Sparse data for 07604 shows as blanks, never estimates, and the score updates on every fresh public filing.

The 25/100 for 07604 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. Practically, 07604 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.