ZIP 07974 Foreclosure, Tax-Lien & Distress Report

Union County, New Jersey's ZIP 07974 registers 23/100 composite distress, which DLRadar reads as low. Climate and flood risk are elevated too — climate & FEMA risk (95/100), flood (NFIP) exposure (93/100). The latent-versus-live split is 51/100 structural and 2/100 already moving. Its standout signals are structural risk (51/100), institutional ownership (21/100), construction/permit lag (16/100). By contrast, construction/permit lag (16/100) and mortgage stress (8/100) register low.

Prices here sit in a expansion phase: values rose 5.2% over the trailing year, and 29% higher over three years, at 35/100 phase confidence. Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

At $168,860, median income runs above typical U.S. levels. Around 29% of renters are cost-burdened. There are about 5,377 housing units across 07974. The demographic-stress sub-score lands at 24/100. The poverty rate is 2.1% — low. The typical home is worth about $758,400 (4.3× income). 12,737 residents call 07974 home, typically aged 45. The tenure split is 83% owner-occupied to 17% rented. Educational attainment sits at 69% bachelor's-or-above. Vacancy runs 6.0%.

Broadly, 07974 is a steadier market — the deals are the exceptions, not the rule. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

The 07974 read uses the identical public-record model applied coast to coast, which means its 23/100 score means exactly what it means anywhere else, and 07974 stays directly comparable to neighboring ZIPs and the rest of Union County, New Jersey. Nothing here is interpolated — where a source is thin for 07974, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

The 23/100 figure for 07974 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 07974 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.