ZIP 15535 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 15535 (Bedford County, Pennsylvania) at a low 20/100 for overall property distress. Property-level stress concentrates in construction/permit lag (46/100), structural risk (45/100), institutional ownership (16/100). By contrast, institutional ownership (16/100) and mortgage stress (9/100) register low. It additionally carries heavy environmental risk: climate & FEMA risk (67/100), flood (NFIP) exposure (67/100). Structural risk reads 45/100 against active distress of 3/100.

The market reads expansion — home values rose 5.1% year on year (phase confidence 42/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

The typical home is worth about $205,200 (3.3× income, relatively affordable). Vacancy runs 32.0%, above the national norm and a classic distress-and-opportunity signal. The ZIP holds roughly 1,139 housing units. Around 29% of renters are cost-burdened. Households earn a median $57,208 — below the roughly $78,000 national figure. Educational attainment sits at 13% bachelor's-or-above. Roughly 10.2% live below the poverty line. About 1,901 people live here, median age 47. On demographic stress specifically, 15535 scores 30/100. The tenure split is 84% owner-occupied to 16% rented.

Taken together, 15535 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

No ZIP is too small to score: 15535 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 20/100 composite is a like-for-like number rather than an isolated estimate. Nothing here is interpolated — where a source is thin for 15535, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

Behind 15535'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. Practically, 15535 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.