ZIP 15963 Foreclosure, Tax-Lien & Distress Report

ZIP 15963's composite property-distress score is 21/100 - DLRadar classes that as low for Somerset County, Pennsylvania. It additionally carries heavy environmental risk: flood (NFIP) exposure (79/100), climate & FEMA risk (67/100). The pressure is most legible in structural risk (48/100), construction/permit lag (39/100), institutional ownership (26/100). By contrast, institutional ownership (26/100) and mortgage stress (14/100) register low. The latent-versus-live split is 48/100 structural and 4/100 already moving.

The market reads peak — home values rose 4.4% year on year, and 25% higher over three years (phase confidence 31/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

The typical home is worth about $135,700 (2.0× income, relatively affordable). Vacancy runs 15.0%, above the national norm and a classic distress-and-opportunity signal. Population is roughly 10,383 with a median age of 45. Around 36% of renters are cost-burdened. At $59,256, median income runs below typical U.S. levels. Around 21% of adults hold a bachelor's degree or higher. Owners hold 81% of homes, renters 19%. 10.5% of residents fall below the poverty threshold. The ZIP holds roughly 4,907 housing units. On demographic stress specifically, 15963 scores 25/100.

Taken together, 15963 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. There is no property file for 15963 at the moment; the composite and its components are still built from verifiable records.

No ZIP is too small to score: 15963 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 21/100 composite is a like-for-like number rather than an isolated estimate. Nothing here is interpolated — where a source is thin for 15963, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

15963's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. For an operator, 15963 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.