ZIP 07823 Foreclosure, Tax-Lien & Distress Report

ZIP 07823's composite property-distress score is 23/100 - DLRadar classes that as low for Warren County, New Jersey. The latent-versus-live split is 53/100 structural and 2/100 already moving. Environmental exposure also runs high (climate & FEMA risk (83/100), flood (NFIP) exposure (68/100)). Property-level stress concentrates in construction/permit lag (60/100), structural risk (53/100), institutional ownership (16/100). On the quiet end sit institutional ownership (16/100) and mortgage stress (6/100).

Prices here sit in a peak phase: values rose 4.7% over the trailing year, and 28% higher over three years, at 30/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

The typical home is worth about $322,000 (3.7× income, relatively affordable). There are about 3,672 housing units across 07823. About 7,542 people live here, median age 55. Around 37% of renters are cost-burdened. Median household income is $84,381, near the U.S. median near $78,000. The demographic-stress sub-score lands at 30/100. Owners hold 66% of homes, renters 35%. 9.7% of residents fall below the poverty threshold. The vacancy rate is 3.3%. About 24% have a four-year degree.

Overall 07823 looks resilient on the surface, so the edge is isolating individual stressed parcels. No parcel file is published for 07823 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

Because one deterministic model scores every ZIP, 07823's 23/100 can be lined up against any neighbor in Warren County, New Jersey or any ZIP coast to coast. Sparse data for 07823 shows as blanks, never estimates, and the score updates on every fresh public filing.

Behind 07823'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. For an operator, 07823 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.