ZIP 15921 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 15921 (Cambria County, Pennsylvania) returns a low composite of 29/100. Latent structural risk is 64/100 while live distress already moving reads 7/100. Climate and flood risk are elevated too — flood (NFIP) exposure (77/100), climate & FEMA risk (75/100), FEMA disaster exposure (65/100). What sets it apart are the readings on structural risk (64/100), institutional ownership (52/100), construction/permit lag (52/100). By contrast, mortgage stress (23/100) register low.

Prices here sit in a expansion phase: values rose 5.0% over the trailing year, 1.2% off the recent peak, at 39/100 phase confidence. Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

Owners hold 67% of homes, renters 33%. Around 12% of adults hold a bachelor's degree or higher. Population is roughly 267 with a median age of 55. The demographic-stress sub-score lands at 26/100. Vacancy runs 31.5%, above the national norm and a classic distress-and-opportunity signal. The poverty rate is 3.0% — low. The ZIP holds roughly 174 housing units. Rent burden reaches 47% of tenant households. The typical home is worth about $54,400 (1.1× income, relatively affordable). At $50,917, median income runs below typical U.S. levels.

Net-net, 15921 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. While 15921 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

No ZIP is too small to score: 15921 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 29/100 composite is a like-for-like number rather than an isolated estimate. Where the public record is thin for 15921, the field stays empty rather than modeled, and fills in as new documents post.

The 29/100 for 15921 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. Treat 15921 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.