ZIP 07632 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 07632 (Bergen County, New Jersey) lands at 26/100 — low on DLRadar's distress scoring. Climate and flood risk are elevated too — climate & FEMA risk (98/100), flood (NFIP) exposure (94/100). What sets it apart are the readings on structural risk (58/100), construction/permit lag (40/100), institutional ownership (21/100). By contrast, institutional ownership (21/100) and mortgage stress (8/100) register low. Structurally it carries 58/100, against 2/100 of stress already in motion.

The market reads expansion — home values rose 5.2% year on year, and 12% higher over three years, at 35/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

Home values center near $1,401,600, an affordability ratio of 5.5×. 84% of housing is owner-occupied. 5,330 residents call 07632 home, typically aged 50. There are about 2,079 housing units across 07632. The demographic-stress sub-score lands at 31/100. Roughly 4.7% live below the poverty line, a low share typical of higher-equity areas. Around 57% of renters are cost-burdened. Educational attainment sits at 77% bachelor's-or-above. Vacancy runs 4.9%. At $222,192, median income runs above typical U.S. levels.

On balance 07632 is mixed, rewarding parcel-by-parcel screening over broad assumptions. While 07632 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

No ZIP is too small to score: 07632 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 26/100 composite is a like-for-like number rather than an isolated estimate. The score is rebuilt from public data as it updates, so 07632 reflects the current record instead of a stale or modeled snapshot.

Behind 07632's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. For a buyer, 07632 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.