ZIP 07644 Foreclosure, Tax-Lien & Distress Report

On DLRadar's 0-100 public-record scale, ZIP 07644 in Bergen County, New Jersey comes in at 25, a low composite-distress reading. What sets it apart are the readings on structural risk (57/100), construction/permit lag (37/100), institutional ownership (21/100). institutional ownership (21/100) and mortgage stress (8/100) stay muted. Climate and flood risk are elevated too — 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 market reads expansion — home values rose 5.2% year on year, and 34% higher over three years (phase confidence 35/100). Even climbing markets leave specific parcels in distress; the scoring isolates them.

The vacancy rate is 4.9%. The poverty rate is 16.0%. The ZIP holds roughly 10,108 housing units. Rent burden reaches 44% of tenant households. Home values center near $475,000, an affordability ratio of 5.3×. Population is roughly 25,946 with a median age of 39. Educational attainment sits at 28% bachelor's-or-above. The demographic-stress sub-score lands at 40/100. At $84,570, median income runs near typical U.S. levels. Owners hold 41% of homes, renters 59%.

Net-net, 07644 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. While 07644 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

The 07644 read uses the identical public-record model applied coast to coast, which means its 25/100 score means exactly what it means anywhere else, and 07644 stays directly comparable to neighboring ZIPs and the rest of Bergen County, New Jersey. Sparse data for 07644 shows as blanks, never estimates, and the score updates on every fresh public filing.

Behind 07644'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. The point of the 07644 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.