ZIP 08809 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 08809 (Hunterdon County, New Jersey) lands at 23/100 — low on DLRadar's public-record scoring. Leading the profile are structural risk (53/100), construction/permit lag (52/100), institutional ownership (17/100). On the quiet end sit institutional ownership (17/100) and mortgage stress (6/100). On the structural side it scores 53/100, with 2/100 of stress already active. It additionally carries heavy environmental risk: climate & FEMA risk (83/100), flood (NFIP) exposure (77/100).

Prices here sit in a expansion phase: values rose 5.2% over the trailing year, and 20% higher over three years, at 35/100 phase confidence. Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

Households earn a median $127,169 — above the roughly $78,000 national figure. Rent burden reaches 44% of tenant households. Educational attainment sits at 52% bachelor's-or-above. The demographic-stress sub-score lands at 26/100. 5.7% of residents fall below the poverty threshold. Owners hold 78% of homes, renters 22%. About 6,838 people live here, median age 39. The ZIP holds roughly 2,344 housing units. Vacancy runs 3.9%. The typical home is worth about $420,500 (3.3× income, relatively affordable).

Overall 08809 looks resilient on the surface, so the edge is isolating individual stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

Whether 08809 runs hot or quiet, its 23/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 08809 can be compared directly against any other ZIP in Hunterdon County, New Jersey or nationwide. Every figure is auditable to a public dataset and refreshed on ingest; 08809 shows blanks, not estimates, wherever the record is sparse.

The 23/100 for 08809 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. For an operator, 08809 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.