ZIP 07712 Property Distress & Foreclosure Data

In Monmouth County, New Jersey, ZIP 07712 scores 26 of 100 for composite distress, a low level on DLRadar's public-record index. It additionally carries heavy environmental risk: climate & FEMA risk (97/100), flood (NFIP) exposure (86/100). On the structural side it scores 58/100, with 2/100 of stress already active. Its standout signals are structural risk (58/100), construction/permit lag (48/100), institutional ownership (19/100). By contrast, institutional ownership (19/100) and mortgage stress (8/100) register low.

The market reads expansion — home values rose 6.0% year on year, and 27% higher over three years (phase confidence 43/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

Households earn a median $95,691 — above the roughly $78,000 national figure. The tenure split is 48% owner-occupied to 52% rented. Around 46% of renters are cost-burdened. A median home runs $616,300 here, or 6.0 times local income. Roughly 11.2% live below the poverty line. About 39,597 people live here, median age 41. About 49% have a four-year degree. The ZIP holds roughly 19,200 housing units. On demographic stress specifically, 07712 scores 39/100. The vacancy rate is 7.8%.

Net-net, 07712 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.