ZIP 07865 Property Distress & Foreclosure Data

ZIP code 07865 in Warren County, New Jersey carries a composite property-distress score of 23/100 — a low reading on DLRadar's deterministic public-record index. It additionally carries heavy environmental risk: climate & FEMA risk (85/100), flood (NFIP) exposure (73/100). What sets it apart are the readings on structural risk (51/100), construction/permit lag (45/100), institutional ownership (17/100). By contrast, institutional ownership (17/100) and mortgage stress (7/100) register low. Structural exposure scores 51 and live distress 2 on the 0–100 scale.

The market reads expansion — home values rose 6.7% year on year, and 28% higher over three years, at 36/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

The tenure split is 82% owner-occupied to 18% rented. A median home runs $394,300 here, or 3.4 times local income. Vacancy runs 3.9%. On demographic stress specifically, 07865 scores 21/100. About 3,284 people live here, median age 34. About 42% have a four-year degree. There are about 967 housing units across 07865. Households earn a median $108,881 — above the roughly $78,000 national figure. Roughly 5.2% live below the poverty line, a low share typical of higher-equity areas. Rent burden reaches 0% of tenant households.

Overall 07865 looks resilient on the surface, so the edge is isolating individual stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.