ZIP 07946 Foreclosure, Tax-Lien & Distress Report

In Morris County, New Jersey, ZIP 07946 scores 27 of 100 for composite distress, a low level on DLRadar's distress index. It additionally carries heavy environmental risk: climate & FEMA risk (94/100), flood (NFIP) exposure (84/100). The most distinctive pressure shows up in construction/permit lag (67/100), structural risk (61/100), institutional ownership (19/100). On the quiet end sit institutional ownership (19/100) and mortgage stress (7/100). Structurally it carries 61/100, against 2/100 of stress already in motion.

The market reads expansion — home values rose 5.2% year on year, and 32% higher over three years (phase confidence 35/100). Even climbing markets leave specific parcels in distress; the scoring isolates them.

94% of housing is owner-occupied. Home values center near $801,700, an affordability ratio of 3.5× — accessible. There are about 984 housing units across 07946. At $213,393, median income runs above typical U.S. levels. Population is roughly 3,098 with a median age of 45. 3.1% of residents fall below the poverty threshold. Educational attainment sits at 61% bachelor's-or-above. Rent burden reaches 22% of tenant households. Vacancy runs 3.4%. The demographic-stress sub-score lands at 21/100.

On balance 07946 is mixed, rewarding parcel-by-parcel screening over broad assumptions. While 07946 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

Big metro or rural, 07946 runs through one identical scoring model, so its 27/100 sits on the same scale as every other ZIP in Morris County, New Jersey and the nation. Every figure is auditable to a public dataset and refreshed as records update; 07946 shows blanks, not estimates, wherever the record is sparse.

The 27/100 figure for 07946 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. For an operator, 07946 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.