ZIP 08361 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 08361 (Cumberland County, New Jersey) at a low 23/100 for overall property distress. It additionally carries heavy environmental risk: climate & FEMA risk (82/100), flood (NFIP) exposure (64/100). Leading the profile are construction/permit lag (58/100), structural risk (52/100), institutional ownership (15/100). By contrast, institutional ownership (15/100) and mortgage stress (6/100) register low. Latent structural risk is 52/100 while live distress already moving reads 2/100.

The market reads expansion — home values rose 7.8% year on year, and 23% higher over three years (phase confidence 63/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

About 18,375 people live here, median age 44. The tenure split is 82% owner-occupied to 18% rented. On demographic stress specifically, 08361 scores 27/100. The poverty rate is 9.0%. Vacancy runs 3.3%. There are about 6,898 housing units across 08361. The typical home is worth about $285,900 (2.6× income, relatively affordable). Around 39% of adults hold a bachelor's degree or higher. At $103,482, median income runs above typical U.S. levels. Around 51% of renters are cost-burdened.

Overall 08361 looks resilient on the surface, so the edge is isolating individual stressed parcels. 08361 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

Whether 08361 runs hot or quiet, its 23/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 08361 can be compared directly against any other ZIP in Cumberland County, New Jersey or nationwide. The score is rebuilt from public data as it updates, so 08361 reflects the current record instead of a stale or modeled snapshot.

08361's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. For a buyer, 08361 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.