ZIP 07645 Foreclosure, Tax-Lien & Distress Report
Bergen County, New Jersey · High Value market
Scored on a fixed 0-100 scale, 07645 (Bergen County, New Jersey) returns a low composite of 26/100. The split runs 58/100 structural to 2/100 active on the ground. It additionally carries heavy environmental risk: climate & FEMA risk (98/100), flood (NFIP) exposure (94/100). Property-level stress concentrates in structural risk (58/100), construction/permit lag (40/100), 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 24% higher over three years, at 35/100 phase confidence. Even climbing markets leave specific parcels in distress; the scoring isolates them.
About 8,625 people live here, median age 41. The poverty rate is 3.8% — low. A median home runs $709,700 here, or 3.8 times local income. About 57% have a four-year degree. The tenure split is 84% owner-occupied to 16% rented. Vacancy runs 3.2%. Rent burden reaches 59% of tenant households. At $183,664, median income runs above typical U.S. levels. There are about 3,290 housing units across 07645. On demographic stress specifically, 07645 scores 28/100.
On balance 07645 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.
The 07645 read uses the identical scoring model applied coast to coast, which means its 26/100 score means exactly what it means anywhere else, and 07645 stays directly comparable to neighboring ZIPs and the rest of Bergen County, New Jersey. 07645 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.
The 26/100 figure for 07645 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. For a buyer, 07645 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.
Distress signal breakdown — ZIP 07645
Delinquent tax, institutional holdings, insurance strain, flood/NFIP exposure, build-out lag, price dislocation and auction pace — along with the 0 individual distressed properties carry owner, address, APN, a parcel-level score and an exit read in the full DLRadar file.
Snapshot: 07645 by the numbers
The live 07645 panel — distress score, market phase, housing and bank pressure — as attached to every individual property.
Adjacent Bergen County ZIP reports
Nearest ZIP codes to 07645
By straight-line distance between ZIP centers — the surrounding market, whichever county or state line it crosses.
Keep exploring New Jersey distress
Related ZIP, county and statewide reads linked to Bergen County, New Jersey.
Open the complete 07645 acquisition file
Every distressed parcel in 07645 comes with owner and address, APN, its own distress score, bank exposure and an exit-velocity read — plus a one-click path to owner and lender records, refreshed continuously nationwide.
Rules-based scoring — each signal ties to a public dataset · methodology