ZIP 07838 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 07838 (Warren County, New Jersey) lands at 23/100 — low on DLRadar's public-record scoring. Environmental exposure also runs high (climate & FEMA risk (83/100), flood (NFIP) exposure (68/100)). Its standout signals are construction/permit lag (60/100), structural risk (53/100), institutional ownership (16/100). By contrast, institutional ownership (16/100) and mortgage stress (6/100) register low. On the structural side it scores 53/100, with 2/100 of stress already active.

Prices here sit in a peak phase: values rose 4.7% over the trailing year, and 31% higher over three years, at 30/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Vacancy runs 9.2%. Rent burden reaches 61% of tenant households. The ZIP holds roughly 1,479 housing units. On demographic stress specifically, 07838 scores 29/100. The tenure split is 88% owner-occupied to 12% rented. Median household income is $121,563, above the U.S. median near $78,000. The typical home is worth about $440,100 (3.4× income, relatively affordable). Around 43% of adults hold a bachelor's degree or higher. Population is roughly 3,495 with a median age of 42. Roughly 5.6% live below the poverty line, a low share typical of higher-equity areas.

Broadly, 07838 is a steadier market — the deals are the exceptions, not the rule. There is no property file for 07838 at the moment; the composite and its components are still built from verifiable public records.

Whether 07838 runs hot or quiet, its 23/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 07838 can be compared directly against any other ZIP in Warren County, New Jersey or nationwide. Every figure is auditable to a public dataset and refreshed on ingest; 07838 shows blanks, not estimates, wherever the record is sparse.

Each component behind 07838 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 23/100 roll-up. Treat 07838 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.