ZIP 08738 Foreclosure, Tax-Lien & Distress Report
Ocean County, New Jersey · High Vacancy market
In Ocean County, New Jersey, ZIP 08738 scores 36 of 100 for composite distress, a moderate level on DLRadar's public-record index. Climate and flood risk are elevated too — climate & FEMA risk (96/100), flood (NFIP) exposure (88/100), FEMA disaster exposure (71/100). Its heaviest discrete signals: construction/permit lag (87/100), structural risk (81/100), institutional ownership (49/100). mortgage stress (22/100) stay muted. On the structural side it scores 81/100, with 7/100 of stress already active.
Prices here sit in a expansion phase: values rose 5.2% over the trailing year, and 22% higher over three years (phase confidence 35/100). Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.
The ZIP holds roughly 1,708 housing units. The vacancy rate is 65.0% — elevated. 1,371 residents call 08738 home, typically aged 59. On demographic stress specifically, 08738 scores 30/100. The tenure split is 97% owner-occupied to 3% rented. Educational attainment sits at 71% bachelor's-or-above. Roughly 1.5% live below the poverty line, a low share typical of higher-equity areas. Rent burden reaches 0% of tenant households. The typical home is worth about $1,493,200 (6.5× income). Households earn a median $218,667 — above the roughly $78,000 national figure.
Net-net, 08738 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. While 08738 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.
Because one deterministic model scores every ZIP, 08738's 36/100 can be lined up against any neighbor in Ocean County, New Jersey or any ZIP coast to coast. 08738 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.
Each component behind 08738 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 36/100 roll-up. The point of the 08738 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.
What is driving ZIP 08738’s distress
Delinquency on tax, investor concentration, insurance pressure, NFIP flood, lagging construction, price dislocation and sale velocity — and the 0 individual distressed properties are listed in full, with owner, address, APN, per-parcel score and exit-velocity read.
ZIP 08738 Stress Report snapshot
Real-time distress, cycle phase, housing and bank-stress readings for 08738, the same set carried on every parcel.
Ocean County ZIPs near 08738
Related reports across Ocean County, New Jersey
Keep going: ZIP, county and state distress coverage for Ocean County, New Jersey.
The complete 08738 distress and acquisition report
Every distressed parcel in 08738 comes with owner and address, APN, its own distress score, bank exposure and an exit-velocity read — plus a one-click path to funding and closing, refreshed continuously nationwide.
Each signal above is traceable to an open dataset · methodology