ZIP 08805 Foreclosure, Tax-Lien & Distress Report
Somerset County, New Jersey · Distress market
Somerset County, New Jersey's ZIP 08805 registers 28/100 composite distress, which DLRadar reads as low. Its standout signals are construction/permit lag (76/100), structural risk (65/100), institutional ownership (21/100). By contrast, institutional ownership (21/100) and mortgage stress (8/100) register low. The latent-versus-live split is 65/100 structural and 2/100 already moving. It additionally carries heavy environmental risk: flood (NFIP) exposure (96/100), climate & FEMA risk (93/100).
The expansion-phase market in 08805 posted values that rose 5.2% over the year, and 31% higher over three years, at 35/100 phase confidence. Even climbing markets leave specific parcels in distress; the scoring isolates them.
On demographic stress specifically, 08805 scores 38/100. Around 59% of renters are cost-burdened. The vacancy rate is 1.3%. Educational attainment sits at 33% bachelor's-or-above. 9.1% of residents fall below the poverty threshold. There are about 5,387 housing units across 08805. At $84,201, median income runs near typical U.S. levels. The typical home is worth about $417,800 (4.7× income). 14,153 residents call 08805 home, typically aged 37. 47% of housing is owner-occupied.
Net-net, 08805 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. Parcel-level detail for 08805 is not published yet -- the ZIP-level readings above remain fully sourced to public records.
The number is not local guesswork: 08805's 28/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. 08805 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.
The 28/100 for 08805 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. In workflow terms, 08805 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.
What is driving ZIP 08805’s distress
Tax arrears, institutional buyers, insurance load, flood exposure, stalled construction, dislocated pricing and auction velocity — together with the 0 individual distressed properties (owner, address, APN, per-property score and exit read) are in the full DLRadar report.
ZIP 08805 Stress Report snapshot
The live 08805 panel — distress score, market phase, housing and bank pressure — as attached to every individual property.
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Rules-based scoring — each signal ties to a public dataset · methodology