ZIP 08514 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 08514 (Monmouth County, New Jersey) returns a moderate composite of 30/100. Latent structural risk is 68/100 while live distress already moving reads 4/100. The most distinctive pressure shows up in construction/permit lag (74/100), structural risk (68/100), institutional ownership (27/100). On the quiet end sit institutional ownership (27/100) and mortgage stress (12/100). Climate and flood risk are elevated too — climate & FEMA risk (97/100), flood (NFIP) exposure (87/100).

Prices here sit in a expansion phase: values rose 5.2% over the trailing year, and 22% higher over three years (phase confidence 35/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

5,270 residents call 08514 home, typically aged 41. Owners hold 91% of homes, renters 9%. The ZIP holds roughly 1,986 housing units. About 40% have a four-year degree. Roughly 7.2% live below the poverty line, a low share typical of higher-equity areas. Around 33% of renters are cost-burdened. A median home runs $580,900 here, or 4.3 times local income. The demographic-stress sub-score lands at 28/100. The vacancy rate is 11.9% — elevated. At $118,854, median income runs above typical U.S. levels.

On balance 08514 is mixed, rewarding parcel-by-parcel screening over broad assumptions. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

Big metro or rural, 08514 runs through one identical public-record model, so its 30/100 sits on the same scale as every other ZIP in Monmouth County, New Jersey and the nation. The score is rebuilt from public data as it updates, so 08514 reflects the current record instead of a stale or modeled snapshot.

Each component behind 08514 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 30/100 roll-up. The point of the 08514 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.