ZIP 07657 Foreclosure, Tax-Lien & Distress Report

Scored on a fixed 0-100 scale, 07657 (Bergen County, New Jersey) returns a low composite of 26/100. The sharpest non-environmental signals are structural risk (58/100), construction/permit lag (40/100), institutional ownership (21/100). institutional ownership (21/100) and mortgage stress (8/100) stay muted. On the structural side it scores 58/100, with 2/100 of stress already active. Environmental exposure also runs high (climate & FEMA risk (98/100), flood (NFIP) exposure (94/100)).

Prices here sit in a expansion phase: values rose 5.2% over the trailing year, and 26% higher over three years (phase confidence 35/100). Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

At $115,676, median income runs above typical U.S. levels. Roughly 5.1% live below the poverty line, a low share typical of higher-equity areas. About 47% have a four-year degree. Rent burden reaches 43% of tenant households. About 11,439 people live here, median age 40. A median home runs $646,200 here, or 5.3 times local income. 47% of housing is owner-occupied. On demographic stress specifically, 07657 scores 35/100. The ZIP holds roughly 4,117 housing units. Vacancy runs 2.6%.

Overall, 07657 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. 07657 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

The 07657 read uses the identical scoring model applied coast to coast, which means its 26/100 score means exactly what it means anywhere else, and 07657 stays directly comparable to neighboring ZIPs and the rest of Bergen County, New Jersey. Where the record is thin for 07657, the field stays empty rather than modeled, and fills in as new documents post.

The 26/100 for 07657 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. For an operator, 07657 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.