ZIP 07746 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 07746 (Monmouth County, New Jersey) at a low 28/100 for overall property distress. The split runs 63/100 structural to 2/100 active on the ground. What sets it apart are the readings on construction/permit lag (69/100), structural risk (63/100), institutional ownership (19/100). On the quiet end sit institutional ownership (19/100) and mortgage stress (8/100). It additionally carries heavy environmental risk: climate & FEMA risk (97/100), flood (NFIP) exposure (86/100).

The expansion-phase market in 07746 posted values that rose 5.2% over the year, and 27% higher over three years (phase confidence 35/100). Even climbing markets leave specific parcels in distress; the scoring isolates them.

There are about 6,256 housing units across 07746. Owners hold 96% of homes, renters 4%. Vacancy runs 1.5%. Educational attainment sits at 68% bachelor's-or-above. Households earn a median $186,885 — above the roughly $78,000 national figure. On demographic stress specifically, 07746 scores 27/100. The typical home is worth about $701,800 (3.5× income, relatively affordable). Roughly 3.6% live below the poverty line, a low share typical of higher-equity areas. About 18,137 people live here, median age 47. Around 71% of renters are cost-burdened.

On balance 07746 is mixed, rewarding parcel-by-parcel screening over broad assumptions. There is no property file for 07746 at the moment; the composite and its components are still built from verifiable public records.

Because one deterministic model scores every ZIP, 07746's 28/100 can be lined up against any neighbor in Monmouth County, New Jersey or any ZIP coast to coast. Where the public record is thin for 07746, the field stays empty rather than modeled, and fills in as new documents post.

07746's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. Treat 07746 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.