ZIP 08735 Property Distress & Foreclosure Data

DLRadar grades ZIP 08735 (Ocean County, New Jersey) at a moderate 36/100 for overall property distress. Property-level stress concentrates in construction/permit lag (84/100), structural risk (80/100), institutional ownership (54/100). By contrast, mortgage stress (22/100) register low. On the structural side it scores 80/100, with 7/100 of stress already active. It additionally carries heavy environmental risk: climate & FEMA risk (96/100), flood (NFIP) exposure (88/100), FEMA disaster exposure (64/100).

The market reads expansion — home values rose 6.0% year on year, and 32% higher over three years (phase confidence 43/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

Roughly 3.5% live below the poverty line, a low share typical of higher-equity areas. Around 41% of renters are cost-burdened. The tenure split is 84% owner-occupied to 16% rented. On demographic stress specifically, 08735 scores 51/100. About 50% have a four-year degree. About 3,435 people live here, median age 63. Households earn a median $85,265 — near the roughly $78,000 national figure. The vacancy rate is 73.0% — elevated. The ZIP holds roughly 7,186 housing units. A median home runs $872,300 here, or 10.2 times local income.

Net-net, 08735 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.