ZIP 08807 Foreclosure, Tax-Lien & Distress Report

In Somerset County, New Jersey, ZIP 08807 scores 28 of 100 for composite distress, a low level on DLRadar's public-record index. The pressure is most legible in 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. Structural exposure scores 65 and live distress 2 on the 0–100 scale. Environmental exposure also runs high (flood (NFIP) exposure (96/100), climate & FEMA risk (93/100)).

The market reads expansion — home values rose 5.2% year on year, and 28% higher over three years, at 35/100 phase confidence. Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

DLRadar's demographic-stress index for the area reads 24/100. About 61% have a four-year degree. Rent burden reaches 42% of tenant households. About 38,438 people live here, median age 43. 4.1% of residents fall below the poverty threshold. Home values center near $591,200, an affordability ratio of 3.4× — accessible. The vacancy rate is 3.0%. The tenure split is 83% owner-occupied to 17% rented. Households earn a median $165,983 — above the roughly $78,000 national figure. There are about 14,581 housing units across 08807.

Overall, 08807 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. 08807 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

The number is not local guesswork: 08807's 28/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. Where the public record is thin for 08807, the field stays empty rather than modeled, and fills in as new documents post.

08807's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. In workflow terms, 08807 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.