ZIP 07646 Foreclosure, Tax-Lien & Distress Report

ZIP 07646's composite property-distress score is 26/100 - DLRadar classes that as low for Bergen County, New Jersey. The sharpest non-environmental signals are 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). It additionally carries heavy environmental risk: climate & FEMA risk (98/100), flood (NFIP) exposure (94/100). Structural exposure scores 58 and live distress 2 on the 0–100 scale.

The expansion-phase market in 07646 posted values that rose 5.2% over the year, and 26% higher over three years, at 35/100 phase confidence. Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

At $113,513, median income runs above typical U.S. levels. Roughly 4.6% live below the poverty line, a low share typical of higher-equity areas. About 16,882 people live here, median age 40. 63% of housing is owner-occupied. Around 42% of renters are cost-burdened. About 48% have a four-year degree. DLRadar's demographic-stress index for the area reads 32/100. Vacancy runs 4.2%. A median home runs $580,400 here, or 4.9 times local income. The ZIP holds roughly 6,376 housing units.

On balance 07646 is mixed, rewarding parcel-by-parcel screening over broad assumptions. There is no property file for 07646 at the moment; the composite and its components are still built from verifiable records.

Big metro or rural, 07646 runs through one identical scoring model, so its 26/100 sits on the same scale as every other ZIP in Bergen County, New Jersey and the nation. 07646 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

Each component behind 07646 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 26/100 roll-up. Practically, 07646 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.