ZIP 07640 Foreclosure, Tax-Lien & Distress Report

In Bergen County, New Jersey, ZIP 07640 scores 25 of 100 for composite distress, a low level on DLRadar's public-record index. It additionally carries heavy environmental risk: climate & FEMA risk (98/100), flood (NFIP) exposure (94/100). Latent structural risk is 57/100 while live distress already moving reads 2/100. The sharpest non-environmental signals are 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).

Prices here sit in a expansion phase: values rose 5.2% over the trailing year, and 33% higher over three years, at 35/100 phase confidence. Even climbing markets leave specific parcels in distress; the scoring isolates them.

Vacancy runs 4.4%. Roughly 5.8% live below the poverty line, a low share typical of higher-equity areas. Owners hold 96% of homes, renters 4%. Educational attainment sits at 69% bachelor's-or-above. Rent burden reaches 47% of tenant households. A median home runs $776,900 here, or 3.9 times local income. At $180,515, median income runs above typical U.S. levels. The ZIP holds roughly 1,818 housing units. The demographic-stress sub-score lands at 25/100. About 4,883 people live here, median age 47.

Net-net, 07640 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. Parcel-level detail for 07640 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

Whether 07640 runs hot or quiet, its 25/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 07640 can be compared directly against any other ZIP in Bergen County, New Jersey or nationwide. Every figure is auditable to a public dataset and refreshed on ingest; 07640 shows blanks, not estimates, wherever the record is sparse.

Each component behind 07640 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 25/100 roll-up. The point of the 07640 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.