ZIP 08302 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 08302 (Cumberland County, New Jersey) at a low 23/100 for overall property distress. Climate and flood risk are elevated too — climate & FEMA risk (82/100), flood (NFIP) exposure (65/100). Latent structural risk is 52/100 while live distress already moving reads 2/100. Property-level stress concentrates in construction/permit lag (58/100), structural risk (52/100), institutional ownership (15/100). On the quiet end sit institutional ownership (15/100) and mortgage stress (7/100).

Prices here sit in a expansion phase: values rose 7.6% over the trailing year, and 33% higher over three years, at 59/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

At $60,301, median income runs below typical U.S. levels. About 47,003 people live here, median age 32. The vacancy rate is 8.3%. There are about 15,995 housing units across 08302. On demographic stress specifically, 08302 scores 38/100. Around 13% of adults hold a bachelor's degree or higher. The poverty rate is 22.7% — high, a tax-stress and distress correlate. Home values center near $202,200, an affordability ratio of 3.4× — accessible. Around 54% of renters are cost-burdened. Owners hold 57% of homes, renters 43%.

Net-net, 08302 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Parcel-level detail for 08302 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

The 08302 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 08302 stays directly comparable to neighboring ZIPs and the rest of Cumberland County, New Jersey. Where the public record is thin for 08302, the field stays empty rather than modeled, and fills in as new documents post.

Each component behind 08302 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 23/100 roll-up. The point of the 08302 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.