ZIP 08820 Foreclosure, Tax-Lien & Distress Report

On DLRadar's 0-100 distress scale, ZIP 08820 in Middlesex County, New Jersey comes in at 29, a low composite-distress reading. Climate and flood risk are elevated too — climate & FEMA risk (98/100), flood (NFIP) exposure (95/100). Its heaviest discrete signals: construction/permit lag (75/100), structural risk (67/100), institutional ownership (21/100). By contrast, institutional ownership (21/100) and mortgage stress (8/100) register low. Structural exposure scores 67 and live distress 2 on the 0–100 scale.

Prices here sit in a expansion phase: values rose 5.2% over the trailing year, and 33% higher over three years, at 35/100 phase confidence. Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

39,392 residents call 08820 home, typically aged 43. Owners hold 76% of homes, renters 24%. Households earn a median $168,453 — above the roughly $78,000 national figure. Around 31% of renters are cost-burdened. The typical home is worth about $630,200 (3.5× income, relatively affordable). The vacancy rate is 1.8%. 3.5% of residents fall below the poverty threshold. DLRadar's demographic-stress index for the area reads 23/100. The ZIP holds roughly 13,458 housing units. Educational attainment sits at 71% bachelor's-or-above.

On balance 08820 is mixed, rewarding parcel-by-parcel screening over broad assumptions. No parcel file is published for 08820 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

Whether 08820 runs hot or quiet, its 29/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 08820 can be compared directly against any other ZIP in Middlesex County, New Jersey or nationwide. Nothing here is interpolated — where a source is thin for 08820, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

08820's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. Treat 08820 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.