ZIP 07931 Foreclosure, Tax-Lien & Distress Report

In Somerset County, New Jersey, ZIP 07931 scores 28 of 100 for composite distress, a low level on DLRadar's public-record index. Structural exposure scores 64 and live distress 2 on the 0–100 scale. Environmental exposure also runs high (climate & FEMA risk (93/100), flood (NFIP) exposure (93/100)). Its standout signals are construction/permit lag (70/100), structural risk (64/100), institutional ownership (21/100). On the quiet end sit institutional ownership (21/100) and mortgage stress (8/100).

The expansion-phase market in 07931 posted values that rose 5.2% over the year, and 36% higher over three years, at 35/100 phase confidence. Even climbing markets leave specific parcels in distress; the scoring isolates them.

Vacancy runs 11.8%, above the national norm and a classic distress-and-opportunity signal. The typical home is worth about $1,165,700 (6.8× income). There are about 1,360 housing units across 07931. Owners hold 84% of homes, renters 16%. Educational attainment sits at 69% bachelor's-or-above. Rent burden reaches 46% of tenant households. About 3,271 people live here, median age 47. At $159,013, median income runs above typical U.S. levels. DLRadar's demographic-stress index for the area reads 35/100. The poverty rate is 4.8% — low.

Overall, 07931 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

Whether 07931 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 07931 can be compared directly against any other ZIP in Somerset County, New Jersey or nationwide. The score is rebuilt from public data as it updates, so 07931 reflects the current record instead of a stale or modeled snapshot.

07931'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. In workflow terms, 07931 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.