ZIP 07865 Foreclosure, Tax-Lien & Distress Report

Warren County, New Jersey's ZIP 07865 registers 24/100 composite distress, which DLRadar reads as low. It additionally carries heavy environmental risk: climate & FEMA risk (85/100), flood (NFIP) exposure (73/100). Its heaviest discrete signals: construction/permit lag (59/100), structural risk (55/100), institutional ownership (17/100). institutional ownership (17/100) and mortgage stress (7/100) stay muted. On the structural side it scores 55/100, with 2/100 of stress already active.

The peak-phase market in 07865 posted values that rose 4.9% over the year, and 28% higher over three years (phase confidence 32/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

The tenure split is 82% owner-occupied to 18% rented. The typical home is worth about $394,300 (3.4× income, relatively affordable). The vacancy rate is 3.9%. The demographic-stress sub-score lands at 21/100. Population is roughly 3,284 with a median age of 34. Educational attainment sits at 42% bachelor's-or-above. There are about 967 housing units across 07865. Median household income is $108,881, above the U.S. median near $78,000. The poverty rate is 5.2% — low. Rent burden reaches 0% of tenant households.

On balance, 07865 reads as a higher-equity, stable market where distress is selective and worth pinpointing parcel by parcel. No parcel file is published for 07865 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

The number is not local guesswork: 07865's 24/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. Where the public record is thin for 07865, the field stays empty rather than modeled, and fills in as new documents post.

Behind 07865'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. The point of the 07865 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.