ZIP 15909 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 15909 (Cambria County, Pennsylvania) returns a low composite of 29/100. Latent structural risk is 64/100 while live distress already moving reads 7/100. The sharpest non-environmental signals are structural risk (64/100), institutional ownership (52/100), construction/permit lag (52/100). On the quiet end sit mortgage stress (23/100). Environmental exposure also runs high (flood (NFIP) exposure (77/100), climate & FEMA risk (75/100), FEMA disaster exposure (65/100)).

The market reads expansion — home values rose 5.0% year on year, 1.2% off the recent peak, and 11% higher over three years (phase confidence 39/100). Even climbing markets leave specific parcels in distress; the scoring isolates them.

Owners hold 82% of homes, renters 18%. There are about 2,370 housing units across 15909. DLRadar's demographic-stress index for the area reads 24/100. Roughly 15.7% live below the poverty line. Population is roughly 4,850 with a median age of 48. Vacancy runs 15.8%, above the national norm and a classic distress-and-opportunity signal. Rent burden reaches 25% of tenant households. About 16% have a four-year degree. The typical home is worth about $110,200 (1.8× income, relatively affordable). Median household income is $59,226, below the U.S. median near $78,000.

On the whole, 15909 leans distressed, with opportunity clustered in specific stressed parcels. 15909 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

Big metro or rural, 15909 runs through one identical public-record model, so its 29/100 sits on the same scale as every other ZIP in Cambria County, Pennsylvania and the nation. The score is rebuilt from public data as it updates, so 15909 reflects the current record instead of a stale or modeled snapshot.

Each component behind 15909 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 29/100 roll-up. For an operator, 15909 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.