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County and ZIP distress scoring, cycle phase, and the day's opportunities.

ZIP 08853 Foreclosure, Tax-Lien & Distress Report

Somerset County, New Jersey · High Value market

Scored purely from public records, 08853 (Somerset County, New Jersey) returns a low composite of 27/100. Structural exposure scores 63 and live distress 2 on the 0–100 scale. Property-level stress concentrates in construction/permit lag (73/100), structural risk (63/100), institutional ownership (20/100). On the quiet end sit institutional ownership (20/100) and mortgage stress (7/100). It additionally carries heavy environmental risk: flood (NFIP) exposure (92/100), climate & FEMA risk (90/100).

The market reads expansion — home values rose 5.2% year on year, and 31% higher over three years (phase confidence 35/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

Population is roughly 5,415 with a median age of 48. At $213,074, median income runs above typical U.S. levels. A median home runs $773,400 here, or 3.0 times local income. The ZIP holds roughly 2,125 housing units. 0.2% of residents fall below the poverty threshold. Vacancy runs 5.3%. Rent burden reaches 15% of tenant households. On demographic stress specifically, 08853 scores 18/100. Owners hold 75% of homes, renters 25%. Around 74% of adults hold a bachelor's degree or higher.

Net-net, 08853 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 number is not local guesswork: 08853's 27/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. Where the public record is thin for 08853, the field stays empty rather than modeled, and fills in as new documents post.

The 27/100 for 08853 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. The point of the 08853 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.

27/100
Composite stress
63/100
Structural risk
2/100
Distress activity

ZIP 08853 distress signals, scored

Foreclosure activity0
Mortgage stress7
Climate / FEMA risk90
Nine more distress signals are scored here

Tax arrears, institutional buyers, insurance load, flood exposure, stalled construction, dislocated pricing and auction velocity — together with the 0 individual distressed properties come with owner, address, APN, an individual score and an exit read in the complete report.

Snapshot: 08853 by the numbers

The live 08853 panel — distress score, market phase, housing and bank pressure — as attached to every individual property.

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Deterministic scoring, sourced entirely from public data · methodology

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