ZIP 08804 Foreclosure, Tax-Lien & Distress Report

Hunterdon County, New Jersey's ZIP 08804 registers 23/100 composite distress, which DLRadar reads as low. On the structural side it scores 53/100, with 2/100 of stress already active. Environmental exposure also runs high (climate & FEMA risk (83/100), flood (NFIP) exposure (74/100)). Property-level stress concentrates in construction/permit lag (55/100), structural risk (53/100), institutional ownership (17/100). institutional ownership (17/100) and mortgage stress (6/100) stay muted.

Prices here sit in a peak phase: values rose 5.0% over the trailing year, and 27% higher over three years, at 33/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

There are about 1,361 housing units across 08804. About 44% have a four-year degree. The tenure split is 76% owner-occupied to 24% rented. At $106,250, median income runs above typical U.S. levels. Vacancy runs 4.5%. Roughly 8.5% live below the poverty line. 3,066 residents call 08804 home, typically aged 46. Around 49% of renters are cost-burdened. A median home runs $462,000 here, or 4.1 times local income. DLRadar's demographic-stress index for the area reads 31/100.

Overall 08804 looks resilient on the surface, so the edge is isolating individual stressed parcels. While 08804 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

The 08804 read uses the identical public-record model applied coast to coast, which means its 23/100 score means exactly what it means anywhere else, and 08804 stays directly comparable to neighboring ZIPs and the rest of Hunterdon County, New Jersey. Every figure is auditable to a public dataset and refreshed on ingest; 08804 shows blanks, not estimates, wherever the record is sparse.

Behind 08804'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. The point of the 08804 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.