ZIP 08734 Foreclosure, Tax-Lien & Distress Report

Ocean County, New Jersey's ZIP 08734 registers 36/100 composite distress, which DLRadar reads as moderate. Structural risk reads 81/100 against active distress of 7/100. It additionally carries heavy environmental risk: climate & FEMA risk (96/100), flood (NFIP) exposure (88/100), FEMA disaster exposure (71/100). The sharpest non-environmental signals are construction/permit lag (87/100), structural risk (81/100), institutional ownership (49/100). On the quiet end sit mortgage stress (22/100).

The market reads expansion — home values rose 5.2% year on year, and 25% higher over three years, at 35/100 phase confidence. Even climbing markets leave specific parcels in distress; the scoring isolates them.

The vacancy rate is 10.9%. A median home runs $442,000 here, or 3.2 times local income. Roughly 1.4% live below the poverty line, a low share typical of higher-equity areas. Around 6% of renters are cost-burdened. The tenure split is 95% owner-occupied to 5% rented. The demographic-stress sub-score lands at 20/100. About 8,028 people live here, median age 43. The ZIP holds roughly 2,992 housing units. Median household income is $121,033, above the U.S. median near $78,000. Around 35% of adults hold a bachelor's degree or higher.

On balance 08734 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.

The 08734 read uses the identical public-record model applied coast to coast, which means its 36/100 score means exactly what it means anywhere else, and 08734 stays directly comparable to neighboring ZIPs and the rest of Ocean County, New Jersey. The score is rebuilt from public data as it updates, so 08734 reflects the current record instead of a stale or modeled snapshot.

The 36/100 for 08734 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. The point of the 08734 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.