ZIP 08097 Foreclosure, Tax-Lien & Distress Report

ZIP code 08097 in Gloucester County, New Jersey carries a composite property-distress score of 25/100 — a low reading on DLRadar's deterministic public-record index. On the structural side it scores 58/100, with 2/100 of stress already active. Environmental exposure also runs high (climate & FEMA risk (88/100), flood (NFIP) exposure (76/100)). Its standout signals are construction/permit lag (66/100), structural risk (58/100), institutional ownership (17/100). institutional ownership (17/100) and mortgage stress (7/100) stay muted.

The expansion-phase market in 08097 posted values that rose 5.2% over the year, and 30% higher over three years, at 35/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

Vacancy runs 3.0%. The ZIP holds roughly 1,107 housing units. 94% of housing is owner-occupied. Roughly 5.3% live below the poverty line, a low share typical of higher-equity areas. A median home runs $280,100 here, or 2.2 times local income. At $117,614, median income runs above typical U.S. levels. 3,207 residents call 08097 home, typically aged 45. The demographic-stress sub-score lands at 23/100. Around 44% of renters are cost-burdened. Around 32% of adults hold a bachelor's degree or higher.

Overall, 08097 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. While 08097 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: 08097's 25/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. Sparse data for 08097 shows as blanks, never estimates, and the score updates on every fresh public filing.

The 25/100 for 08097 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, 08097 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.