ZIP 07631 Foreclosure, Tax-Lien & Distress Report

On DLRadar's 0-100 public-record scale, ZIP 07631 in Bergen County, New Jersey comes in at 25, a low composite-distress reading. Climate and flood risk are elevated too — climate & FEMA risk (98/100), flood (NFIP) exposure (94/100). Structural risk reads 57/100 against active distress of 2/100. 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.

Prices here sit in a expansion phase: values rose 5.2% over the trailing year, and 29% higher over three years, at 35/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

The vacancy rate is 6.5%. Roughly 9.8% live below the poverty line. Population is roughly 29,342 with a median age of 43. Around 46% of adults hold a bachelor's degree or higher. Around 50% of renters are cost-burdened. 53% of housing is owner-occupied. At $101,398, median income runs above typical U.S. levels. On demographic stress specifically, 07631 scores 36/100. There are about 11,898 housing units across 07631. Home values center near $544,100, an affordability ratio of 4.9×.

Overall, 07631 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. No parcel file is published for 07631 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

Because one deterministic model scores every ZIP, 07631's 25/100 can be lined up against any neighbor in Bergen County, New Jersey or any ZIP coast to coast. Sparse data for 07631 shows as blanks, never estimates, and the score updates on every fresh public filing.

Each component behind 07631 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 25/100 roll-up. Treat 07631 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.