ZIP 07921 Foreclosure, Tax-Lien & Distress Report

ZIP code 07921 in Somerset County, New Jersey carries a composite property-distress score of 28/100 — a low reading on DLRadar's deterministic public-record index. Climate and flood risk are elevated too — flood (NFIP) exposure (96/100), climate & FEMA risk (93/100). Structural risk reads 65/100 against active distress of 2/100. The pressure is most legible in construction/permit lag (76/100), structural risk (65/100), institutional ownership (21/100). On the quiet end sit institutional ownership (21/100) and mortgage stress (8/100).

The expansion-phase market in 07921 posted values that rose 5.2% over the year, and 37% higher over three years (phase confidence 35/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

The poverty rate is 4.5% — low. Population is roughly 7,563 with a median age of 49. There are about 3,998 housing units across 07921. Around 35% of renters are cost-burdened. Households earn a median $117,705 — above the roughly $78,000 national figure. Home values center near $433,300, an affordability ratio of 3.7× — accessible. Around 66% of adults hold a bachelor's degree or higher. The vacancy rate is 2.0%. On demographic stress specifically, 07921 scores 23/100. The tenure split is 79% owner-occupied to 21% rented.

On balance 07921 is mixed, rewarding parcel-by-parcel screening over broad assumptions. Parcel-level detail for 07921 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

Whether 07921 runs hot or quiet, its 28/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 07921 can be compared directly against any other ZIP in Somerset County, New Jersey or nationwide. Every figure is auditable to a public dataset and refreshed on ingest; 07921 shows blanks, not estimates, wherever the record is sparse.

Behind 07921'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. Treat 07921 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.