ZIP 07641 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 07641 (Bergen County, New Jersey) at a low 25/100 for overall property distress. Structural exposure scores 57 and live distress 2 on the 0–100 scale. Its heaviest discrete signals: 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. Climate and flood risk are elevated too — climate & FEMA risk (98/100), flood (NFIP) exposure (94/100).

Prices here sit in a expansion phase: values rose 5.2% over the trailing year, and 63% higher over three years, at 35/100 phase confidence. Even climbing markets leave specific parcels in distress; the scoring isolates them.

Vacancy runs 11.2%, above the national norm and a classic distress-and-opportunity signal. Roughly 3.7% live below the poverty line, a low share typical of higher-equity areas. About 3,321 people live here, median age 45. There are about 1,165 housing units across 07641. Owners hold 95% of homes, renters 5%. Median household income is $227,841, above the U.S. median near $78,000. A median home runs $845,300 here, or 3.6 times local income. On demographic stress specifically, 07641 scores 24/100. About 70% have a four-year degree. Around 40% of renters are cost-burdened.

Net-net, 07641 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. While 07641 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

Because one deterministic model scores every ZIP, 07641's 25/100 can be lined up against any neighbor in Bergen County, New Jersey or any ZIP coast to coast. Nothing here is interpolated — where a source is thin for 07641, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

07641's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. For an operator, 07641 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.