ZIP 07728 Foreclosure, Tax-Lien & Distress Report
Monmouth County, New Jersey · Distress market
Composite property distress in 07728 (Monmouth County, New Jersey) lands at 28/100 — low on DLRadar's public-record scoring. It additionally carries heavy environmental risk: climate & FEMA risk (97/100), flood (NFIP) exposure (86/100). Its heaviest discrete signals: construction/permit lag (69/100), structural risk (63/100), institutional ownership (19/100). institutional ownership (19/100) and mortgage stress (8/100) stay muted. The latent-versus-live split is 63/100 structural and 2/100 already moving.
The expansion-phase market in 07728 posted values that rose 5.2% over the year, and 28% higher over three years (phase confidence 35/100). Even climbing markets leave specific parcels in distress; the scoring isolates them.
About 56,623 people live here, median age 42. Home values center near $505,400, an affordability ratio of 4.6×. Around 52% of renters are cost-burdened. On demographic stress specifically, 07728 scores 32/100. The tenure split is 77% owner-occupied to 23% rented. Vacancy runs 3.0%. Households earn a median $107,042 — above the roughly $78,000 national figure. There are about 21,162 housing units across 07728. Around 46% of adults hold a bachelor's degree or higher. 7.5% of residents fall below the poverty threshold.
Net-net, 07728 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.
No ZIP is too small to score: 07728 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 28/100 composite is a like-for-like number rather than an isolated estimate. Nothing here is interpolated — where a source is thin for 07728, DLRadar leaves it blank rather than guessing, and re-scores as new records post.
Each component behind 07728 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 28/100 roll-up. For a buyer, 07728 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.
What is driving ZIP 07728’s distress
Delinquency on tax, investor concentration, insurance pressure, NFIP flood, lagging construction, price dislocation and sale velocity — and the 0 individual distressed properties are broken out by owner, address, APN, per-property score and exit read inside DLRadar.
The 07728 distress snapshot
Current distress, phase, housing and lender-pressure figures for 07728, drawn from the same report attached to each property.
Neighbouring ZIPs in Monmouth County
Related reports across Monmouth County, New Jersey
Further distress data across Monmouth County, New Jersey at ZIP, county and state level.
Get the full acquisition report for 07728
See who owns each distressed property in 07728, where it is, its APN and score, the bank behind it and how fast it should exit — then fund and close it in one click. Continuously refreshed, nationwide.
Deterministic. Every signal traces to a public dataset · methodology