ZIP 07945 Foreclosure, Tax-Lien & Distress Report

On DLRadar's 0-100 public-record scale, ZIP 07945 in Morris County, New Jersey comes in at 26, a low composite-distress reading. Environmental exposure also runs high (climate & FEMA risk (94/100), flood (NFIP) exposure (84/100)). Structurally it carries 60/100, against 2/100 of stress already in motion. Its heaviest discrete signals: construction/permit lag (60/100), structural risk (60/100), institutional ownership (19/100). By contrast, institutional ownership (19/100) and mortgage stress (7/100) register low.

Prices here sit in a expansion phase: values rose 5.2% over the trailing year, and 29% higher over three years (phase confidence 35/100). Even climbing markets leave specific parcels in distress; the scoring isolates them.

The vacancy rate is 4.5%. 1.9% of residents fall below the poverty threshold. At $243,665, median income runs above typical U.S. levels. Around 27% of renters are cost-burdened. Home values center near $931,100, an affordability ratio of 3.7× — accessible. Educational attainment sits at 78% bachelor's-or-above. The tenure split is 92% owner-occupied to 8% rented. DLRadar's demographic-stress index for the area reads 20/100. There are about 3,709 housing units across 07945. 9,771 residents call 07945 home, typically aged 46.

Net-net, 07945 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. There is no property file for 07945 at the moment; the composite and its components are still built from verifiable public records.

The 07945 read uses the identical public-record model applied coast to coast, which means its 26/100 score means exactly what it means anywhere else, and 07945 stays directly comparable to neighboring ZIPs and the rest of Morris County, New Jersey. The score is rebuilt from public data as it updates, so 07945 reflects the current record instead of a stale or modeled snapshot.

07945'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. Practically, 07945 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.