ZIP 08204 Foreclosure, Tax-Lien & Distress Report

ZIP code 08204 in Cape May 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 57/100, with 5/100 of stress already active. Its standout signals are structural risk (57/100), construction/permit lag (56/100), institutional ownership (18/100). institutional ownership (18/100) and mortgage stress (17/100) stay muted. It additionally carries heavy environmental risk: climate & FEMA risk (91/100), flood (NFIP) exposure (81/100).

Prices here sit in a expansion phase: values rose 5.9% over the trailing year, and 33% higher over three years, at 37/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

Home values center near $461,400, an affordability ratio of 4.9×. The vacancy rate is 38.3% — elevated. About 16,890 people live here, median age 52. The poverty rate is 7.9%. Owners hold 79% of homes, renters 21%. On demographic stress specifically, 08204 scores 34/100. Around 36% of renters are cost-burdened. There are about 13,123 housing units across 08204. About 38% have a four-year degree. Households earn a median $80,782 — near the roughly $78,000 national figure.

On the whole, 08204 leans distressed, with opportunity clustered in specific stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

The 08204 read uses the identical public-record model applied coast to coast, which means its 25/100 score means exactly what it means anywhere else, and 08204 stays directly comparable to neighboring ZIPs and the rest of Cape May County, New Jersey. Sparse data for 08204 shows as blanks, never estimates, and the score updates on every fresh public filing.

08204's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. The point of the 08204 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.