ZIP 08345 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 08345 (Cumberland County, New Jersey) lands at 23/100 — low on DLRadar's public-record scoring. Structural exposure scores 52 and live distress 2 on the 0–100 scale. Climate and flood risk are elevated too — climate & FEMA risk (82/100), flood (NFIP) exposure (64/100). What sets it apart are the readings on 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.

Home values center near $210,900, an affordability ratio of 3.1× — accessible. Vacancy runs 22.6%, above the national norm and a classic distress-and-opportunity signal. Owners hold 92% of homes, renters 8%. Households earn a median $64,076 — below the roughly $78,000 national figure. The ZIP holds roughly 475 housing units. DLRadar's demographic-stress index for the area reads 31/100. Roughly 16.0% live below the poverty line. Around 46% of renters are cost-burdened. About 801 people live here, median age 61. Educational attainment sits at 15% bachelor's-or-above.

Net-net, 08345 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. There is no property file for 08345 at the moment; the composite and its components are still built from verifiable public records.

The 08345 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 08345 stays directly comparable to neighboring ZIPs and the rest of Cumberland County, New Jersey. Every figure is auditable to a public dataset and refreshed on ingest; 08345 shows blanks, not estimates, wherever the record is sparse.

The 23/100 for 08345 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. In workflow terms, 08345 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.