ZIP 07849 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 07849 (Morris County, New Jersey) at a low 26/100 for overall property distress. The split runs 60/100 structural to 2/100 active on the ground. The most distinctive pressure shows up in construction/permit lag (60/100), structural risk (60/100), institutional ownership (19/100). On the quiet end sit institutional ownership (19/100) and mortgage stress (7/100). Environmental exposure also runs high (climate & FEMA risk (94/100), flood (NFIP) exposure (84/100)).

Prices here sit in a expansion phase: values rose 5.2% over the trailing year, and 20% higher over three years (phase confidence 35/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

There are about 3,722 housing units across 07849. Rent burden reaches 39% of tenant households. About 8,475 people live here, median age 47. The vacancy rate is 8.8%. The poverty rate is 2.9% — low. The demographic-stress sub-score lands at 25/100. The tenure split is 94% owner-occupied to 7% rented. Around 44% of adults hold a bachelor's degree or higher. The typical home is worth about $438,600 (3.7× income, relatively affordable). At $111,081, median income runs above typical U.S. levels.

Net-net, 07849 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. Parcel-level detail for 07849 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

No ZIP is too small to score: 07849 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 26/100 composite is a like-for-like number rather than an isolated estimate. The score is rebuilt from public data as it updates, so 07849 reflects the current record instead of a stale or modeled snapshot.

Behind 07849'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, 07849 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.