ZIP 08558 Foreclosure, Tax-Lien & Distress Report

In Somerset County, New Jersey, ZIP 08558 scores 28 of 100 for composite distress, a low level on DLRadar's public-record index. On the structural side it scores 66/100, with 2/100 of stress already active. It additionally carries heavy environmental risk: flood (NFIP) exposure (95/100), climate & FEMA risk (93/100). The pressure is most legible in construction/permit lag (77/100), structural risk (66/100), institutional ownership (21/100). institutional ownership (21/100) and mortgage stress (8/100) stay muted.

Prices here sit in a expansion phase: values rose 5.2% over the trailing year, and 24% higher over three years (phase confidence 35/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

About 7,236 people live here, median age 48. The tenure split is 88% owner-occupied to 12% rented. The demographic-stress sub-score lands at 27/100. Around 78% of adults hold a bachelor's degree or higher. The vacancy rate is 4.3%. Rent burden reaches 73% of tenant households. The typical home is worth about $910,200 (3.5× income, relatively affordable). At $240,968, median income runs above typical U.S. levels. The ZIP holds roughly 2,789 housing units. The poverty rate is 2.3% — low.

Net-net, 08558 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. Parcel-level detail for 08558 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

Whether 08558 runs hot or quiet, its 28/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 08558 can be compared directly against any other ZIP in Somerset County, New Jersey or nationwide. Every figure is auditable to a public dataset and refreshed on ingest; 08558 shows blanks, not estimates, wherever the record is sparse.

08558'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, 08558 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.