ZIP 08802 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 08802 (Hunterdon County, New Jersey) at a low 26/100 for overall property distress. Structural exposure scores 59 and live distress 2 on the 0–100 scale. Environmental exposure also runs high (climate & FEMA risk (83/100), flood (NFIP) exposure (72/100)). What sets it apart are the readings on construction/permit lag (78/100), structural risk (59/100), institutional ownership (17/100). On the quiet end sit institutional ownership (17/100) and mortgage stress (6/100).

The peak-phase market in 08802 posted values that rose 5.0% over the year, and 22% higher over three years (phase confidence 33/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

The tenure split is 95% owner-occupied to 5% rented. The demographic-stress sub-score lands at 24/100. The ZIP holds roughly 1,546 housing units. Educational attainment sits at 47% bachelor's-or-above. 4,604 residents call 08802 home, typically aged 49. Median household income is $131,012, above the U.S. median near $78,000. The typical home is worth about $461,700 (3.5× income, relatively affordable). Roughly 1.9% live below the poverty line, a low share typical of higher-equity areas. The vacancy rate is 2.2%. Rent burden reaches 42% of tenant households.

Net-net, 08802 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. There is no property file for 08802 at the moment; the composite and its components are still built from verifiable records.

The number is not local guesswork: 08802's 26/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. The score is rebuilt from public data as it updates, so 08802 reflects the current record instead of a stale or modeled snapshot.

Behind 08802's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. Practically, 08802 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.