ZIP 07740 Foreclosure, Tax-Lien & Distress Report

Monmouth County, New Jersey's ZIP 07740 registers 28/100 composite distress, which DLRadar reads as low. Climate and flood risk are elevated too — climate & FEMA risk (97/100), flood (NFIP) exposure (86/100). The pressure is most legible in construction/permit lag (69/100), structural risk (63/100), institutional ownership (19/100). By contrast, institutional ownership (19/100) and mortgage stress (8/100) register low. Structurally it carries 63/100, against 2/100 of stress already in motion.

Prices here sit in a expansion phase: values rose 5.2% over the trailing year, and 31% higher over three years (phase confidence 35/100). Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

Population is roughly 32,330 with a median age of 35. 16.2% of residents fall below the poverty threshold. A median home runs $578,800 here, or 7.1 times local income. The tenure split is 42% owner-occupied to 58% rented. The vacancy rate is 13.8% — elevated. The ZIP holds roughly 15,228 housing units. Households earn a median $73,806 — near the roughly $78,000 national figure. Rent burden reaches 47% of tenant households. On demographic stress specifically, 07740 scores 46/100. Around 35% of adults hold a bachelor's degree or higher.

Net-net, 07740 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. 07740 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

No ZIP is too small to score: 07740 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 07740, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

07740's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. Practically, 07740 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.