ZIP 08821 Foreclosure, Tax-Lien & Distress Report
Somerset County, New Jersey · Distress market
In Somerset County, New Jersey, ZIP 08821 scores 28 of 100 for composite distress, a low level on DLRadar's public-record index. Climate and flood risk are elevated too — flood (NFIP) exposure (96/100), climate & FEMA risk (93/100). Latent structural risk is 65/100 while live distress already moving reads 2/100. The sharpest non-environmental 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 market reads expansion — home values rose 5.2% year on year, at 35/100 phase confidence. Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.
About 375 people live here, median age 41. 89% of housing is owner-occupied. A median home runs $443,300 here, or 3.6 times local income. The ZIP holds roughly 108 housing units. The poverty rate is 0.0% — low. Vacancy runs 0.0%. Educational attainment sits at 41% bachelor's-or-above. On demographic stress specifically, 08821 scores 22/100. At $122,857, median income runs above typical U.S. levels.
On balance 08821 is mixed, rewarding parcel-by-parcel screening over broad assumptions. While 08821 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.
The number is not local guesswork: 08821'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 08821, the field stays empty rather than modeled, and fills in as new documents post.
The 28/100 for 08821 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, 08821 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.
Distress signal breakdown — ZIP 08821
Unpaid tax, corporate ownership share, insurance cost pressure, NFIP flood risk, construction slowdown, price gaps and auction turnover — plus the 0 individual distressed properties are broken out by owner, address, APN, per-property score and exit read inside DLRadar.
08821 at a glance
Real-time distress, cycle phase, housing and bank-stress readings for 08821, the same set carried on every parcel.
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Get the full acquisition report for 08821
Every distressed parcel in 08821 comes with owner and address, APN, its own distress score, bank exposure and an exit-velocity read — plus a one-click path to funding and closing, refreshed continuously nationwide.
Built from public records, scored the same way everywhere · methodology