ZIP 07630 Foreclosure, Tax-Lien & Distress Report
Bergen County, New Jersey · Distress market
ZIP code 07630 in Bergen County, New Jersey carries a composite property-distress score of 26/100 — a low reading on DLRadar's deterministic distress index. It additionally carries heavy environmental risk: climate & FEMA risk (98/100), flood (NFIP) exposure (94/100). The pressure is most legible in structural risk (58/100), construction/permit lag (40/100), institutional ownership (21/100). On the quiet end sit institutional ownership (21/100) and mortgage stress (8/100). Structurally it carries 58/100, against 2/100 of stress already in motion.
The expansion-phase market in 07630 posted values that rose 5.2% over the year, and 28% higher over three years (phase confidence 35/100). Even climbing markets leave specific parcels in distress; the scoring isolates them.
The vacancy rate is 0.0%. Roughly 2.6% live below the poverty line, a low share typical of higher-equity areas. The typical home is worth about $645,200 (4.1× income). Owners hold 89% of homes, renters 11%. The demographic-stress sub-score lands at 26/100. At $153,963, median income runs above typical U.S. levels. Population is roughly 7,263 with a median age of 48. The ZIP holds roughly 2,636 housing units. Around 44% of renters are cost-burdened. About 55% have a four-year degree.
Net-net, 07630 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.
Big metro or rural, 07630 runs through one identical scoring model, so its 26/100 sits on the same scale as every other ZIP in Bergen County, New Jersey and the nation. Every figure is auditable to a public dataset and refreshed as records update; 07630 shows blanks, not estimates, wherever the record is sparse.
Each component behind 07630 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 26/100 roll-up. For an operator, 07630 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.
What is driving ZIP 07630’s distress
Delinquent tax, institutional holdings, insurance strain, flood/NFIP exposure, build-out lag, price dislocation and auction pace — along with the 0 individual distressed properties are broken out by owner, address, APN, per-property score and exit read inside DLRadar.
The 07630 distress snapshot
Current distress, phase, housing and lender-pressure figures for 07630, drawn from the same report attached to each property.
Neighbouring ZIPs in Bergen County
Nearest ZIP codes to 07630
By straight-line distance between ZIP centers — the surrounding market, whichever county or state line it crosses.
Explore related distress reports
More ZIP, county and state distress intelligence connected to Bergen County, New Jersey.
Unlock parcel-level detail for ZIP 07630
Pull every distressed parcel in 07630 — owner, address, APN, distress score, lender exposure and exit read — with owner and lender records one click away. Nationwide coverage, continuously updated.
No modelling: every input is a public record · methodology