ZIP 08812 Foreclosure, Tax-Lien & Distress Report
Somerset County, New Jersey · Distress market
In Somerset County, New Jersey, ZIP 08812 scores 28 of 100 for composite distress, a low level on DLRadar's distress index. The most distinctive pressure shows up in construction/permit lag (73/100), structural risk (65/100), institutional ownership (21/100). On the quiet end sit institutional ownership (21/100) and mortgage stress (8/100). The split runs 65/100 structural to 2/100 active on the ground. Environmental exposure also runs high (flood (NFIP) exposure (96/100), climate & FEMA risk (94/100)).
Prices here sit in a expansion phase: values rose 5.2% over the trailing year, and 25% higher over three years, at 35/100 phase confidence. Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.
The demographic-stress sub-score lands at 30/100. Around 42% of adults hold a bachelor's degree or higher. The poverty rate is 15.3%. Home values center near $442,900, an affordability ratio of 3.6× — accessible. At $119,534, median income runs above typical U.S. levels. 77% of housing is owner-occupied. 14,177 residents call 08812 home, typically aged 42. The vacancy rate is 7.4%. Around 37% of renters are cost-burdened. There are about 5,023 housing units across 08812.
Net-net, 08812 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. Parcel-level detail for 08812 is not published yet -- the ZIP-level readings above remain fully sourced.
The 08812 read uses the identical scoring model applied coast to coast, which means its 28/100 score means exactly what it means anywhere else, and 08812 stays directly comparable to neighboring ZIPs and the rest of Somerset County, New Jersey. Every figure is auditable to a public dataset and refreshed as records update; 08812 shows blanks, not estimates, wherever the record is sparse.
08812's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. The point of the 08812 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.
Signal-by-signal read on 08812
Unpaid tax, corporate ownership share, insurance cost pressure, NFIP flood risk, construction slowdown, price gaps and auction turnover — plus the 0 individual distressed properties — each with owner, address, APN, its own distress score and an exit read — are in the full report.
The 08812 distress snapshot
The live 08812 panel — distress score, market phase, housing and bank pressure — as attached to every individual property.
Adjacent Somerset County ZIP reports
Nearest ZIP codes to 08812
By straight-line distance between ZIP centers — the surrounding market, whichever county or state line it crosses.
More distress data near 08812
More ZIP, county and state distress intelligence connected to Somerset County, New Jersey.
Get the full acquisition report for 08812
Every distressed parcel in 08812 comes with owner and address, APN, its own distress score, bank exposure and an exit-velocity read — plus a one-click path to owner and lender records, refreshed continuously nationwide.
Built from public records, scored the same way everywhere · methodology