ZIP 07863 Foreclosure, Tax-Lien & Distress Report

ZIP 07863's composite property-distress score is 23/100 - DLRadar classes that as low for Warren County, New Jersey. Structural risk reads 53/100 against active distress of 2/100. It additionally carries heavy environmental risk: climate & FEMA risk (83/100), flood (NFIP) exposure (68/100). The pressure is most legible in construction/permit lag (60/100), structural risk (53/100), institutional ownership (16/100). institutional ownership (16/100) and mortgage stress (6/100) stay muted.

Prices here sit in a peak phase: values rose 4.7% over the trailing year, and 34% higher over three years (phase confidence 30/100). Topping markets hide individual distress behind strong averages.

Home values center near $294,000, an affordability ratio of 2.7× — accessible. At $101,417, median income runs above typical U.S. levels. The tenure split is 89% owner-occupied to 11% rented. 6.0% of residents fall below the poverty threshold. About 4,097 people live here, median age 49. The vacancy rate is 1.1%. DLRadar's demographic-stress index for the area reads 23/100. There are about 1,592 housing units across 07863. About 29% have a four-year degree. Around 29% of renters are cost-burdened.

Overall 07863 looks resilient on the surface, so the edge is isolating individual stressed parcels. No parcel file is published for 07863 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

Whether 07863 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 07863 can be compared directly against any other ZIP in Warren County, New Jersey or nationwide. Nothing here is interpolated — where a source is thin for 07863, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

07863's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. For a buyer, 07863 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.