ZIP 08731 Foreclosure, Tax-Lien & Distress Report

Ocean County, New Jersey's ZIP 08731 registers 35/100 composite distress, which DLRadar reads as moderate. What sets it apart are the readings on construction/permit lag (87/100), structural risk (79/100), institutional ownership (48/100). By contrast, mortgage stress (22/100) register low. It additionally carries heavy environmental risk: climate & FEMA risk (96/100), flood (NFIP) exposure (87/100), FEMA disaster exposure (60/100). The latent-versus-live split is 79/100 structural and 7/100 already moving.

The market reads expansion — home values rose 5.2% year on year, and 26% higher over three years, at 35/100 phase confidence. Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

Households earn a median $93,267 — above the roughly $78,000 national figure. Population is roughly 21,136 with a median age of 48. Roughly 5.1% live below the poverty line, a low share typical of higher-equity areas. 85% of housing is owner-occupied. The vacancy rate is 11.7% — elevated. Educational attainment sits at 32% bachelor's-or-above. Around 47% of renters are cost-burdened. On demographic stress specifically, 08731 scores 30/100. The typical home is worth about $404,200 (3.9× income, relatively affordable). The ZIP holds roughly 9,719 housing units.

Net-net, 08731 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. There is no property file for 08731 at the moment; the composite and its components are still built from verifiable records.

The 08731 read uses the identical scoring model applied coast to coast, which means its 35/100 score means exactly what it means anywhere else, and 08731 stays directly comparable to neighboring ZIPs and the rest of Ocean County, New Jersey. Nothing here is interpolated — where a source is thin for 08731, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

Each component behind 08731 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 35/100 roll-up. The point of the 08731 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.