ZIP 07649 Property Distress & Foreclosure Data

ZIP code 07649 in Bergen County, New Jersey carries a composite property-distress score of 26/100 — a low reading on DLRadar's deterministic public-record index. Structural exposure scores 59 and live distress 2 on the 0–100 scale. It additionally carries heavy environmental risk: climate & FEMA risk (98/100), flood (NFIP) exposure (94/100). What sets it apart are the readings on structural risk (59/100), construction/permit lag (45/100), institutional ownership (21/100). By contrast, institutional ownership (21/100) and mortgage stress (8/100) register low.

The market reads expansion — home values rose 6.0% year on year, and 36% higher over three years, at 43/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

About 8,197 people live here, median age 44. A median home runs $737,800 here, or 3.3 times local income. On demographic stress specifically, 07649 scores 22/100. Households earn a median $214,736 — above the roughly $78,000 national figure. Vacancy runs 2.3%. Roughly 3.6% live below the poverty line, a low share typical of higher-equity areas. The tenure split is 90% owner-occupied to 10% rented. There are about 2,761 housing units across 07649. Rent burden reaches 41% of tenant households. About 72% have a four-year degree.

Net-net, 07649 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.