ZIP 08638 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 08638 (Mercer County, New Jersey) lands at 28/100 — low on DLRadar's distress scoring. It additionally carries heavy environmental risk: climate & FEMA risk (95/100), flood (NFIP) exposure (70/100). Structural risk reads 65/100 against active distress of 2/100. Its heaviest discrete signals: construction/permit lag (91/100), structural risk (65/100), institutional ownership (16/100). On the quiet end sit institutional ownership (16/100) and mortgage stress (7/100).

Prices here sit in a peak phase: values rose 4.5% over the trailing year, and 28% higher over three years, at 40/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

At $65,650, median income runs below typical U.S. levels. Home values center near $245,100, an affordability ratio of 3.5× — accessible. The poverty rate is 21.6% — high, a tax-stress and distress correlate. Vacancy runs 10.0%. Around 56% of renters are cost-burdened. The ZIP holds roughly 10,053 housing units. About 31% have a four-year degree. About 23,373 people live here, median age 36. The demographic-stress sub-score lands at 36/100. Owners hold 56% of homes, renters 44%.

Net-net, 08638 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. There is no property file for 08638 at the moment; the composite and its components are still built from verifiable records.

The 08638 read uses the identical scoring model applied coast to coast, which means its 28/100 score means exactly what it means anywhere else, and 08638 stays directly comparable to neighboring ZIPs and the rest of Mercer County, New Jersey. Nothing here is interpolated — where a source is thin for 08638, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

08638's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. The point of the 08638 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.