ZIP 07644 Foreclosure, Tax-Lien & Distress Report

ZIP code 07644 in Bergen County, New Jersey carries a composite property-distress score of 26/100 — a low reading on DLRadar's deterministic public-record index. What sets it apart are the readings on structural risk (59/100), construction/permit lag (45/100), institutional ownership (21/100). On the quiet end sit institutional ownership (21/100) and mortgage stress (8/100). Environmental exposure also runs high (climate & FEMA risk (98/100), flood (NFIP) exposure (94/100)). The latent-versus-live split is 59/100 structural and 2/100 already moving.

The expansion-phase market in 07644 posted values that rose 6.0% over the year, and 34% higher over three years (phase confidence 43/100). Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

The vacancy rate is 4.9%. The poverty rate is 16.0%. The ZIP holds roughly 10,108 housing units. Around 44% of renters are cost-burdened. The typical home is worth about $475,000 (5.3× income). Population is roughly 25,946 with a median age of 39. Around 28% of adults hold a bachelor's degree or higher. The demographic-stress sub-score lands at 40/100. At $84,570, median income runs near typical U.S. levels. 41% of housing is owner-occupied.

On balance 07644 is mixed, rewarding parcel-by-parcel screening over broad assumptions. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.