ZIP 07928 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 07928 (Morris County, New Jersey) at a low 26/100 for overall property distress. Structural exposure scores 60 and live distress 2 on the 0–100 scale. Environmental exposure also runs high (climate & FEMA risk (94/100), flood (NFIP) exposure (84/100)). What sets it apart are the readings on 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).

Prices here sit in a expansion phase: values rose 5.2% over the trailing year, and 28% higher over three years, at 35/100 phase confidence. Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

Home values center near $1,024,100, an affordability ratio of 4.1×. The vacancy rate is 2.1%. 19,667 residents call 07928 home, typically aged 40. Rent burden reaches 38% of tenant households. Roughly 2.2% live below the poverty line, a low share typical of higher-equity areas. On demographic stress specifically, 07928 scores 23/100. There are about 6,909 housing units across 07928. At $236,000, median income runs above typical U.S. levels. 82% of housing is owner-occupied. Educational attainment sits at 83% bachelor's-or-above.

On balance 07928 is mixed, rewarding parcel-by-parcel screening over broad assumptions. 07928 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

Whether 07928 runs hot or quiet, its 26/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 07928 can be compared directly against any other ZIP in Morris County, New Jersey or nationwide. Every figure is auditable to a public dataset and refreshed on ingest; 07928 shows blanks, not estimates, wherever the record is sparse.

The 26/100 figure for 07928 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. The point of the 07928 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.