ZIP 08316 Foreclosure, Tax-Lien & Distress Report
Cumberland County, New Jersey · High Vacancy market
On DLRadar's 0-100 public-record scale, ZIP 08316 in Cumberland County, New Jersey comes in at 23, a low composite-distress reading. The split runs 52/100 structural to 2/100 active on the ground. Climate and flood risk are elevated too — climate & FEMA risk (82/100), flood (NFIP) exposure (64/100). The pressure is most legible in construction/permit lag (58/100), structural risk (52/100), institutional ownership (15/100). institutional ownership (15/100) and mortgage stress (6/100) stay muted.
The market reads expansion — home values rose 7.8% year on year (phase confidence 63/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.
At $100,875, median income runs above typical U.S. levels. Roughly 35.9% live below the poverty line, elevated and often tied to deferred-maintenance inventory. Population is roughly 78 with a median age of 64. Owners hold 100% of homes, renters 0%. Vacancy runs 53.5%, above the national norm and a classic distress-and-opportunity signal. Around 25% of adults hold a bachelor's degree or higher. On demographic stress specifically, 08316 scores 38/100. The typical home is worth about $160,600. The ZIP holds roughly 59 housing units.
Net-net, 08316 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. No parcel file is published for 08316 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.
No ZIP is too small to score: 08316 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 23/100 composite is a like-for-like number rather than an isolated estimate. Where the public record is thin for 08316, the field stays empty rather than modeled, and fills in as new documents post.
Each component behind 08316 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 23/100 roll-up. Practically, 08316 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.
What is driving ZIP 08316’s distress
Delinquent tax, institutional holdings, insurance strain, flood/NFIP exposure, build-out lag, price dislocation and auction pace — along with the 0 individual distressed properties carry owner, address, APN, a parcel-level score and an exit read in the full DLRadar file.
Snapshot: 08316 by the numbers
A live read on 08316: distress, market phase, housing and bank pressure — identical to the report behind every parcel.
Cumberland County ZIPs near 08316
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No modelling: every input is a public record · methodology