ZIP 07630 Foreclosure, Tax-Lien & Distress Report

ZIP code 07630 in Bergen County, New Jersey carries a composite property-distress score of 25/100 — a low reading on DLRadar's deterministic public-record 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 (57/100), construction/permit lag (37/100), institutional ownership (21/100). On the quiet end sit institutional ownership (21/100) and mortgage stress (8/100). Structurally it carries 57/100, 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 public-record model, so its 25/100 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 on ingest; 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 25/100 roll-up. For an operator, 07630 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.