Camden County, New Jersey Court Filings Intelligence

• Filing volume accelerating (+130.8%) — last 2 complete months (60 filings) vs prior 2 complete months (26 filings). Excludes the current calendar month (in progress).
• Max gross cap rate 13.3% at HUD Fair Market Rent — $21,720/year (2BR FMR × 12) on the $162,750 median estimated market value. Section-8-eligible rent ceiling; real-market rent typically exceeds FMR; excludes operating costs (taxes, insurance, maintenance, vacancy, management).
• 100.0% of filings are Pre-Foreclosure — the dominant lead category in Camden County during the observed window.

About Camden County

Camden County is the most populous county in the southern region of the U.S. state of New Jersey. Its county seat is Camden. As of the 2020 census, the county was the state's ninth-most populous county, with a population of 523,485, its highest decennial count ever and an increase of 9,828 (+1.9%) from the 2010 census count of 513,657, which in turn reflected an increase of 4,725 (0.9%) from the 508,932 counted in the 2000 census. The United States Census Bureau's Population Estimates Program estimated a 2025 population of 535,799, an increase of 12,314 (+2.4%) from the 2020 decennial census.

Source: Wikipedia

At a glance

Filing type breakdown

Each row is a distinct case verified for current owner-of-record before inclusion.

Monthly filing activity

Each row reflects new filings entering the dataset that month, after ownership verification. Most recent month may be partial.

Geographic concentration by ZIP

Top 10 ZIPs in Camden County account for 44.8% of all tracked filings, showing where distressed real estate activity clusters.

Based on filings with a parseable property address (91% of Camden County filings).

Property value distribution

Source: third-party property enrichment (75% coverage on Camden County filings). Median $162,750; mean $187,781.

Day-of-week filing pattern

Filings cluster Monday through Friday, with weekend filings essentially absent (court system closed). Computed for 1716 filings with a parseable date.

Building characteristics

Per-property details from third-party property enrichment, aggregated across the 1627 filings with characteristic data:

Housing stock + distress signals

Underlying housing stock and distress indicators across all 213188 Camden County housing units, from US Census ACS 5-year data. National reference values shown for context.

Source: US Census Bureau American Community Survey (ACS 2023 5-year). National reference values are ACS 2022 5-year US totals. Why these matter: vacancy rate is the strongest single proxy for distressed inventory; mortgage-carrying share defines the risk pool exposed to rate environment; pre-1940 stock signals deferred maintenance and renovation opportunity; senior population correlates with probate pipeline depth.

Rent benchmark (HUD Fair Market Rent)

HUD sets Fair Market Rents at the metro area level — the same FMRs apply to every county within the metro. Camden County sits within the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FY 2026). Used to set Section 8 voucher amounts; investors use it as a defensible rent-estimate floor for buy-to-rent underwriting.

Source: US Department of Housing and Urban Development, Fair Market Rents (2026). 40th-percentile gross rent including utilities. Why this matters: Section-8-eligible tenants are a baseline demand floor for rental inventory at these price points; FMR is the official ceiling for voucher-eligible rents.

New construction (market momentum)

Annual building permits filed in Camden County from the US Census Building Permits Survey. Trend signal on whether new housing demand is accelerating or contracting in this market.

Source: US Census Bureau Building Permits Survey, annual cumulative data. Why this matters: permits trending up signals strong demand for new inventory; permits contracting at the same time foreclosure activity rises indicates broader market softening (deals price differently). Multifamily share shows whether the market is densifying or holding to single-family stock.

Macro context: state home prices and national delinquency

Camden County filings should be read against the broader housing-market backdrop. New Jersey state home-price trend and the national mortgage-delinquency rate are the two macro signals most directly relevant to foreclosure exposure.

Sources: Federal Housing Finance Agency state house price indices (FRED series NJSTHPI); Federal Reserve Board, Mortgage Delinquency 30+Day Rate on Single-Family Residential Mortgages (FRED series DRSFRMACBS). Updated quarterly. Free public data.

Filing velocity by case type

How each distress category is trending — are foreclosures accelerating while divorces cool, or vice versa? This breakdown is only possible with direct court-record data.

Trend = recent 2-3 month volume vs prior 2-3 months (current partial month excluded). Positive = accelerating; negative = cooling.

Seasonal filing patterns

Court filings peak in Mar and are lowest in Nov. The 3.2x peak-to-trough ratio suggests strong seasonal patterns — investors who time their outreach around Mar can reach more distressed homeowners.

Average filings per calendar month across all observed years. Relative column shows each month as a percentage of the peak month (Mar), with a 3.2x peak-to-trough ratio.

ZIP code distress hotspots

Distress is geographically dispersed across 189 ZIP codes, with no single area dominating.

Top 10 of 189 ZIP codes with filings.

Non-resident owner analysis

Most filings (100%) involve owner-occupied properties. The relatively low absentee rate suggests distress is primarily hitting homeowners, not institutional investors.

Non-resident = owner's mailing address differs from the property address. Could indicate out-of-state landlords, inherited estates, second homes, or in-transition properties.

Distress composition and shifts

The distress mix is stable across all case types. Low diversity — distress is dominated by one or two case types, suggesting a concentrated driver.

Distress diversity score: 0.0 (Shannon entropy; higher = more diverse distress sources). "Recent" = last 2 complete months; "Earlier" = all prior months.

Court Docket Activity

Across 2064 tracked cases, the average case has 1 docket entries (median 1). 99.8% of cases are in the "early stage (1-5 events)" stage. Pre-Foreclosure cases are the most court-active at 1.1 events on average. Higher docket activity signals that courts are actively processing the case, which can indicate timeline urgency for investor outreach.

Based on 2064 cases with docket event tracking from Camden County court records. Docket entries include filings, hearings, orders, and motions.

Property Value Profile

The median assessed value of properties in court filings is $160,800. The largest segment (58.0%) falls in the $100K - $250K range.

Based on county assessor records for 1627 properties with court filings (76.6% of total filings). Values are tax-assessed amounts, not market listing prices.

Investment Opportunity Score by ZIP Code

Across 57 ZIP codes with sufficient court filing data, ZIP 08081 (Winslow Twp) ranks highest with an investment opportunity score of 68/100, driven by high filing volume (217 cases). 18 of 57 scored ZIPs are above the average score of 37.

Based on 2124 court filings across 57 ZIP codes. ZIPs with fewer than 3 filings are excluded. Property values from county assessor records. Absentee status from property ownership verification.

Distress Capital Analysis

$305,402,100 in assessed property value is currently tied up in 1627 court-filed properties.

Capital at Risk by Filing Type

Based on 1627 properties with assessor valuations (76.6% of 2124 total filings). Values are county assessor estimates. Equity calculated from estimated value vs outstanding mortgage balance where available.

Market Absorption & Turnover Analysis

1,713 court filings tracked with 0 resolved (0.0% absorption rate). The court system is accumulating cases faster than they resolve, creating a growing backlog of 1,713 active cases.

Absorption rate measures the percentage of filed cases that have reached a terminal resolution (judgment, dismissal, settlement, or sale). A low absorption rate indicates a growing backlog of active cases in the court system. Resolution timing based on 0 resolved cases out of 1713 total filings.

Property Type Distribution

72.7% of distressed properties are classified as Agricultural, followed by Commercial (27.3%).

Property classifications from county assessor records for 44 properties (2.1% of total filings). Categories normalized from assessor codes.

Case Aging & Stall Analysis

1,503 cases (87.7%) have been active for over a year without resolution. 37 filings in the last <30 days represent fresh opportunities.

Case aging computed from filing date to present for unresolved cases. Resolution classified from court docket entries (judgments, settlements, dismissals, sheriff sales). Cases with a resolution event are removed from the stall count.

Property Age & Distress Profile

1,583 filings (75.0% of scope) have year-built data. Pre-1960 properties are most common (56%).

Construction year sourced from county tax assessor records. Value is assessed value from the most recent available tax assessment. Resolution timing based on court docket events.

Municipality filing concentration in Camden County

Court filings in Camden County span 57 municipalities. Camden leads with 289 filings (15.4% of total), predominantly Pre-Foreclosure (100.0%). Filings show moderate geographic spread — the top 3 municipalities account for 38% of filings.

Top 15 of 57 municipalities with court filings. Data from 1,872 filings (89% of total). Municipality names from county assessor records.

Quarterly Filing Volume Trends

Filing trends across 17 comparable quarters show 1,238 tracked filings in Camden County. Most recent quarter (2026 Q2: 40) was declining vs prior (2026 Q1: 46, -13.0%).

Only comparable quarters shown (collection ramp-up periods excluded). Filing dates from verified court records. Current partial quarter excluded from trend calculations.

Ownership Duration Before Filing

The median ownership duration before a court filing is 1.9 years, with 32.3% of owners holding the property 10+ years (a strong equity signal for investors).

Duration calculated from last recorded property sale to court filing date for 536 properties (25.4% of total filings). Longer ownership often correlates with higher equity.

Repeat litigation patterns in Camden County

Of 1,805 unique property owners in court filings, 233 (12.9%) appear in multiple cases, including 17 with 3 or more filings. The most active repeat filer has 15 cases spanning 41 months.

Repeat rate by case type

Analysis based on 1,805 unique owner names across court filings. Repeat filers are property owners appearing in 2 or more distinct cases.

Serial distressed properties in Camden County

Of 408 unique properties in court filings, 4 (1.0%) have multiple filings.

Serial distress rate by case type

Analysis based on 408 unique property addresses across court filings. Serial distressed properties have 2 or more distinct case filings at the same address.

Land vs improvement value composition

Across 1,608 properties with assessed value breakdowns, the median land share is 24.8% (median land value $42,200, median improvement value $116,300). 26 properties (1.6%) are land-dominant (50%+ land value) — potential teardown or vacant-lot targets.

Land share distribution

Land share by case type

Analysis of 1,608 properties (76.2% of filings) with assessed land and improvement value breakdowns.

Why these filings are invisible on most public foreclosure sites

The largest public foreclosure-aggregator interfaces surface only post-auction bank-owned properties in New Jersey. Pre-foreclosure court filings are not visible to their non-paying users. Keystone tracks the court filing the day it hits the docket, weeks or months before any property reaches the auction stage those aggregators surface.

Methodology and full audit: Court-vs-aggregator coverage gap report.

Methodology and data sources

• Court filings are collected directly from Camden County court records, which are public information.
• Every filing in this dataset has been verified for current owner-of-record. Entity-owned filings (LLCs, trusts, banks) and properties where the named party is not the current owner are excluded.
• Property value figures come from third-party enrichment (75% coverage on this dataset).
• Individual case data, defendant names, and property addresses are not published. Reports show aggregated statistics only.
• The methodology page at /reports/methodology documents data sources, sample sizes, and known limitations in detail.
• This report was generated 2026-08-03 from the live database. Numbers reflect the dataset at that moment.

Top cities for filings within Camden County

Where filings concentrate inside Camden County, by parsed property city or township.

Share is computed against filings with a parsed property city (not against total Camden County filings — addresses missing the city portion are excluded from the denominator). Top 5 shown; smaller cities aggregate into the long tail.

Related New Jersey guides

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