ZIP 08865 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 08865 (Warren County, New Jersey) returns a low composite of 23/100. The most distinctive pressure shows up in construction/permit lag (60/100), structural risk (53/100), institutional ownership (16/100). By contrast, institutional ownership (16/100) and mortgage stress (6/100) register low. Environmental exposure also runs high (climate & FEMA risk (83/100), flood (NFIP) exposure (68/100)). Structurally it carries 53/100, against 2/100 of stress already in motion.

The peak-phase market in 08865 posted values that rose 4.7% over the year, and 31% higher over three years, at 30/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

At $78,519, median income runs near typical U.S. levels. Rent burden reaches 40% of tenant households. Vacancy runs 4.9%. 31,078 residents call 08865 home, typically aged 43. Roughly 13.0% live below the poverty line. A median home runs $267,200 here, or 3.1 times local income. About 29% have a four-year degree. The demographic-stress sub-score lands at 29/100. There are about 14,002 housing units across 08865. 69% of housing is owner-occupied.

Overall 08865 looks resilient on the surface, so the edge is isolating individual stressed parcels. Parcel-level detail for 08865 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

Big metro or rural, 08865 runs through one identical public-record model, so its 23/100 sits on the same scale as every other ZIP in Warren County, New Jersey and the nation. Every figure is auditable to a public dataset and refreshed on ingest; 08865 shows blanks, not estimates, wherever the record is sparse.

08865's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. In workflow terms, 08865 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.