ZIP 07857 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 07857 (Morris County, New Jersey) returns a low composite of 26/100. The sharpest non-environmental signals are 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). It additionally carries heavy environmental risk: climate & FEMA risk (94/100), flood (NFIP) exposure (84/100). Structural exposure scores 60 and live distress 2 on the 0–100 scale.

The market reads expansion — home values rose 5.2% year on year, and 36% higher over three years (phase confidence 35/100). Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

Households earn a median $92,596 — above the roughly $78,000 national figure. Roughly 8.4% live below the poverty line. There are about 1,974 housing units across 07857. Vacancy runs 7.7%. 53% of housing is owner-occupied. Home values center near $346,100, an affordability ratio of 3.7× — accessible. Educational attainment sits at 39% bachelor's-or-above. On demographic stress specifically, 07857 scores 32/100. Around 48% of renters are cost-burdened. 3,543 residents call 07857 home, typically aged 44.

Overall, 07857 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. While 07857 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

The number is not local guesswork: 07857's 26/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. The score is rebuilt from public data as it updates, so 07857 reflects the current record instead of a stale or modeled snapshot.

Behind 07857'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, 07857 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.