ZIP 07628 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 07628 (Bergen County, New Jersey) at a low 25/100 for overall property distress. What sets it apart are the readings on 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. On the structural side it scores 57/100, with 2/100 of stress already active. It additionally carries heavy environmental risk: 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 27% higher over three years (phase confidence 35/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

The poverty rate is 6.0% — low. Owners hold 72% of homes, renters 28%. The vacancy rate is 4.3%. Around 47% of adults hold a bachelor's degree or higher. Rent burden reaches 39% of tenant households. The ZIP holds roughly 6,768 housing units. At $125,585, median income runs above typical U.S. levels. The typical home is worth about $497,400 (3.7× income, relatively affordable). On demographic stress specifically, 07628 scores 28/100. Population is roughly 18,072 with a median age of 42.

On balance 07628 is mixed, rewarding parcel-by-parcel screening over broad assumptions. There is no property file for 07628 at the moment; the composite and its components are still built from verifiable public records.

The 07628 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 07628 stays directly comparable to neighboring ZIPs and the rest of Bergen County, New Jersey. Where the public record is thin for 07628, the field stays empty rather than modeled, and fills in as new documents post.

The 25/100 for 07628 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. The point of the 07628 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.