ZIP 15538 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 15538 (Somerset County, Pennsylvania) returns a low composite of 19/100. The latent-versus-live split is 44/100 structural and 3/100 already moving. Climate and flood risk are elevated too — flood (NFIP) exposure (81/100), climate & FEMA risk (64/100). Its standout signals are structural risk (44/100), construction/permit lag (37/100), institutional ownership (18/100). By contrast, institutional ownership (18/100) and mortgage stress (11/100) register low.

The peak-phase market in 15538 posted values that rose 4.2% over the year, at 28/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Population is roughly 751 with a median age of 51. Vacancy runs 43.8%, above the national norm and a classic distress-and-opportunity signal. Home values center near $175,000, an affordability ratio of 2.6× — accessible. Owners hold 84% of homes, renters 16%. The ZIP holds roughly 549 housing units. Households earn a median $61,667 — below the roughly $78,000 national figure. Around 69% of renters are cost-burdened. About 15% have a four-year degree. On demographic stress specifically, 15538 scores 36/100. Roughly 10.7% live below the poverty line.

On the whole, 15538 leans distressed, with opportunity clustered in specific stressed parcels. No parcel file is published for 15538 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

The 15538 read uses the identical public-record model applied coast to coast, which means its 19/100 score means exactly what it means anywhere else, and 15538 stays directly comparable to neighboring ZIPs and the rest of Somerset County, Pennsylvania. 15538 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

The 19/100 figure for 15538 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. In workflow terms, 15538 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.