ZIP 07856 Property Distress & Foreclosure Data

ZIP code 07856 in Morris County, New Jersey carries a composite property-distress score of 28/100 — a low reading on DLRadar's deterministic public-record index. Structural risk reads 63/100 against active distress of 2/100. It additionally carries heavy environmental risk: climate & FEMA risk (94/100), flood (NFIP) exposure (84/100). What sets it apart are the readings on construction/permit lag (75/100), structural risk (63/100), institutional ownership (19/100). By contrast, institutional ownership (19/100) and mortgage stress (7/100) register low.

The market reads expansion — home values rose 6.0% year on year, and 27% higher over three years, at 43/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

About 4,280 people live here, median age 48. The tenure split is 68% owner-occupied to 32% rented. There are about 2,560 housing units across 07856. Rent burden reaches 43% of tenant households. On demographic stress specifically, 07856 scores 30/100. Vacancy runs 15.2%, above the national norm and a classic distress-and-opportunity signal. About 48% have a four-year degree. Roughly 6.4% live below the poverty line, a low share typical of higher-equity areas. A median home runs $419,200 here, or 4.0 times local income. Households earn a median $98,397 — above the roughly $78,000 national figure.

Net-net, 07856 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.