ZIP 08005 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 08005 (Ocean County, New Jersey) at a moderate 36/100 for overall property distress. Its standout signals are construction/permit lag (87/100), structural risk (81/100), institutional ownership (49/100). On the quiet end sit mortgage stress (22/100). Structurally it carries 81/100, against 7/100 of stress already in motion. Climate and flood risk are elevated too — climate & FEMA risk (96/100), flood (NFIP) exposure (88/100), FEMA disaster exposure (71/100).

The market reads expansion — home values rose 5.2% year on year, and 24% higher over three years (phase confidence 35/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

Households earn a median $92,548 — above the roughly $78,000 national figure. About 25,936 people live here, median age 52. There are about 11,923 housing units across 08005. Around 52% of renters are cost-burdened. Roughly 7.4% live below the poverty line, a low share typical of higher-equity areas. About 34% have a four-year degree. Vacancy runs 9.3%. The demographic-stress sub-score lands at 30/100. Owners hold 89% of homes, renters 11%. Home values center near $395,800, an affordability ratio of 3.9× — accessible.

Net-net, 08005 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. While 08005 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

The number is not local guesswork: 08005's 36/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. Where the public record is thin for 08005, the field stays empty rather than modeled, and fills in as new documents post.

The 36/100 for 08005 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. Practically, 08005 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.