ZIP 08801 Foreclosure, Tax-Lien & Distress Report

ZIP code 08801 in Hunterdon County, New Jersey carries a composite property-distress score of 23/100 — a low reading on DLRadar's deterministic public-record index. Its standout signals are structural risk (53/100), construction/permit lag (52/100), institutional ownership (17/100). By contrast, institutional ownership (17/100) and mortgage stress (6/100) register low. It additionally carries heavy environmental risk: climate & FEMA risk (83/100), flood (NFIP) exposure (77/100). Latent structural risk is 53/100 while live distress already moving reads 2/100.

Prices here sit in a expansion phase: values rose 5.2% over the trailing year, and 26% higher over three years (phase confidence 35/100). Even climbing markets leave specific parcels in distress; the scoring isolates them.

Median household income is $144,060, above the U.S. median near $78,000. DLRadar's demographic-stress index for the area reads 21/100. 85% of housing is owner-occupied. About 62% have a four-year degree. Roughly 3.5% live below the poverty line, a low share typical of higher-equity areas. A median home runs $522,000 here, or 3.5 times local income. Around 26% of renters are cost-burdened. The vacancy rate is 1.1%. There are about 2,841 housing units across 08801. 7,391 residents call 08801 home, typically aged 44.

On balance, 08801 reads as a higher-equity, stable market where distress is selective and worth pinpointing parcel by parcel. While 08801 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

No ZIP is too small to score: 08801 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 23/100 composite is a like-for-like number rather than an isolated estimate. Nothing here is interpolated — where a source is thin for 08801, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

08801'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 08801 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.