ZIP 08835 Foreclosure, Tax-Lien & Distress Report

ZIP code 08835 in Somerset County, New Jersey carries a composite property-distress score of 28/100 — a low reading on DLRadar's deterministic distress index. The split runs 65/100 structural to 2/100 active on the ground. It additionally carries heavy environmental risk: flood (NFIP) exposure (96/100), climate & FEMA risk (93/100). Its standout signals are construction/permit lag (73/100), 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, and 29% higher over three years, at 35/100 phase confidence. Even climbing markets leave specific parcels in distress; the scoring isolates them.

10,870 residents call 08835 home, typically aged 42. The ZIP holds roughly 4,639 housing units. Vacancy runs 5.2%. Around 29% of adults hold a bachelor's degree or higher. Around 53% of renters are cost-burdened. At $93,872, median income runs above typical U.S. levels. The tenure split is 72% owner-occupied to 28% rented. Roughly 12.3% live below the poverty line. Home values center near $354,300, an affordability ratio of 3.4× — accessible. DLRadar's demographic-stress index for the area reads 32/100.

Net-net, 08835 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

The 08835 read uses the identical scoring model applied coast to coast, which means its 28/100 score means exactly what it means anywhere else, and 08835 stays directly comparable to neighboring ZIPs and the rest of Somerset County, New Jersey. Nothing here is interpolated — where a source is thin for 08835, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

Each component behind 08835 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 28/100 roll-up. The point of the 08835 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.