ZIP 08823 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 08823 (Somerset County, New Jersey) returns a low composite of 28/100. Climate and flood risk are elevated too — flood (NFIP) exposure (96/100), climate & FEMA risk (93/100). The split runs 65/100 structural to 2/100 active on the ground. Its heaviest discrete signals: 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.

Prices here sit in a expansion phase: values rose 5.2% over the trailing year, and 38% higher over three years (phase confidence 35/100). Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

Households earn a median $109,182 — above the roughly $78,000 national figure. 7.2% of residents fall below the poverty threshold. About 58% have a four-year degree. There are about 3,437 housing units across 08823. 8,873 residents call 08823 home, typically aged 40. Owners hold 67% of homes, renters 33%. Rent burden reaches 27% of tenant households. On demographic stress specifically, 08823 scores 21/100. The typical home is worth about $298,800 (2.6× income, relatively affordable). The vacancy rate is 0.0%.

Overall, 08823 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. 08823 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

Because one deterministic model scores every ZIP, 08823's 28/100 can be lined up against any neighbor in Somerset County, New Jersey or any ZIP coast to coast. Sparse data for 08823 shows as blanks, never estimates, and the score updates on every fresh public filing.

Each component behind 08823 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 28/100 roll-up. For an operator, 08823 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.