ZIP 15928 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 15928 (Somerset County, Pennsylvania) lands at 19/100 — low on DLRadar's public-record scoring. Its heaviest discrete signals: structural risk (44/100), construction/permit lag (37/100), institutional ownership (18/100). institutional ownership (18/100) and mortgage stress (11/100) stay muted. Structurally it carries 44/100, against 3/100 of stress already in motion. It additionally carries heavy environmental risk: flood (NFIP) exposure (81/100), climate & FEMA risk (64/100).

The market reads peak — home values rose 4.2% year on year, and 7% higher over three years, at 28/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

On demographic stress specifically, 15928 scores 20/100. The vacancy rate is 3.2%. At $90,156, median income runs above typical U.S. levels. Rent burden reaches 28% of tenant households. 89% of housing is owner-occupied. About 32% have a four-year degree. The poverty rate is 5.7% — low. Population is roughly 2,241 with a median age of 56. The typical home is worth about $227,900 (2.2× income, relatively affordable). The ZIP holds roughly 945 housing units.

Broadly, 15928 is a steadier market — the deals are the exceptions, not the rule. There is no property file for 15928 at the moment; the composite and its components are still built from verifiable public records.

Whether 15928 runs hot or quiet, its 19/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 15928 can be compared directly against any other ZIP in Somerset County, Pennsylvania or nationwide. The score is rebuilt from public data as it updates, so 15928 reflects the current record instead of a stale or modeled snapshot.

The 19/100 figure for 15928 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. Treat 15928 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.