ZIP 07676 Foreclosure, Tax-Lien & Distress Report

ZIP 07676's composite property-distress score is 26/100 - DLRadar classes that as low for Bergen County, New Jersey. 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)). Its heaviest discrete signals: structural risk (58/100), construction/permit lag (40/100), institutional ownership (21/100). institutional ownership (21/100) and mortgage stress (8/100) stay muted.

The market reads expansion — home values rose 5.2% year on year, and 33% higher over three years, at 35/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

Owners hold 94% of homes, renters 6%. Median household income is $168,922, above the U.S. median near $78,000. The vacancy rate is 1.4%. Around 0% of renters are cost-burdened. About 9,276 people live here, median age 46. 2.5% of residents fall below the poverty threshold. Home values center near $664,000, an affordability ratio of 3.8× — accessible. About 59% have a four-year degree. The ZIP holds roughly 3,331 housing units. The demographic-stress sub-score lands at 18/100.

Overall, 07676 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

Whether 07676 runs hot or quiet, its 26/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 07676 can be compared directly against any other ZIP in Bergen County, New Jersey or nationwide. Where the record is thin for 07676, the field stays empty rather than modeled, and fills in as new documents post.

Behind 07676'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 07676 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.