ZIP 15521 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 15521 (Bedford County, Pennsylvania) at a low 20/100 for overall property distress. Environmental exposure also runs high (climate & FEMA risk (67/100), flood (NFIP) exposure (67/100)). The most distinctive pressure shows up in construction/permit lag (46/100), structural risk (45/100), institutional ownership (16/100). On the quiet end sit institutional ownership (16/100) and mortgage stress (9/100). On the structural side it scores 45/100, with 3/100 of stress already active.

The expansion-phase market in 15521 posted values that rose 5.1% over the year, at 42/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

There are about 762 housing units across 15521. Roughly 18.8% live below the poverty line, elevated and often tied to deferred-maintenance inventory. A median home runs $209,700 here, or 3.4 times local income. Rent burden reaches 24% of tenant households. About 1,961 people live here, median age 45. DLRadar's demographic-stress index for the area reads 29/100. Vacancy runs 8.0%. Households earn a median $57,353 — below the roughly $78,000 national figure. Owners hold 91% of homes, renters 9%. About 11% have a four-year degree.

On balance 15521 is mixed, rewarding parcel-by-parcel screening over broad assumptions. There is no property file for 15521 at the moment; the composite and its components are still built from verifiable public records.

Big metro or rural, 15521 runs through one identical public-record model, so its 20/100 sits on the same scale as every other ZIP in Bedford County, Pennsylvania and the nation. Where the public record is thin for 15521, the field stays empty rather than modeled, and fills in as new documents post.

Behind 15521's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. The point of the 15521 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.