ZIP 08312 Foreclosure, Tax-Lien & Distress Report

Gloucester County, New Jersey's ZIP 08312 registers 25/100 composite distress, which DLRadar reads as low. The latent-versus-live split is 58/100 structural and 2/100 already moving. Climate and flood risk are elevated too — climate & FEMA risk (88/100), flood (NFIP) exposure (76/100). Leading the profile 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 market reads expansion — home values rose 5.2% year on year, and 37% higher over three years (phase confidence 35/100). Even climbing markets leave specific parcels in distress; the scoring isolates them.

The ZIP holds roughly 3,533 housing units. On demographic stress specifically, 08312 scores 27/100. The typical home is worth about $254,100 (2.8× income, relatively affordable). The vacancy rate is 9.5%. Population is roughly 8,395 with a median age of 41. Around 22% of adults hold a bachelor's degree or higher. At $88,448, median income runs above typical U.S. levels. Rent burden reaches 30% of tenant households. The tenure split is 73% owner-occupied to 27% rented. The poverty rate is 7.4% — low.

Overall, 08312 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. Parcel-level detail for 08312 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

No ZIP is too small to score: 08312 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 25/100 composite is a like-for-like number rather than an isolated estimate. Every figure is auditable to a public dataset and refreshed on ingest; 08312 shows blanks, not estimates, wherever the record is sparse.

The 25/100 figure for 08312 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. Practically, 08312 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.