ZIP 16145 Foreclosure, Tax-Lien & Distress Report

ZIP code 16145 in Mercer County, Pennsylvania carries a composite property-distress score of 22/100 — a low reading on DLRadar's deterministic distress index. It additionally carries heavy environmental risk: climate & FEMA risk (77/100), flood (NFIP) exposure (61/100). The latent-versus-live split is 49/100 structural and 2/100 already moving. Property-level stress concentrates in construction/permit lag (55/100), structural risk (49/100), institutional ownership (14/100). On the quiet end sit institutional ownership (14/100) and mortgage stress (7/100).

Prices here sit in a peak phase: values rose 4.2% over the trailing year, at 28/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

The ZIP holds roughly 1,307 housing units. About 2,674 people live here, median age 45. DLRadar's demographic-stress index for the area reads 23/100. Around 16% of renters are cost-burdened. The poverty rate is 9.1%. Educational attainment sits at 27% bachelor's-or-above. Vacancy runs 11.5%, above the national norm and a classic distress-and-opportunity signal. A median home runs $180,100 here, or 2.6 times local income. Median household income is $64,500, below the U.S. median near $78,000. The tenure split is 82% owner-occupied to 18% rented.

Overall, 16145 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. While 16145 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

Because one deterministic model scores every ZIP, 16145's 22/100 can be lined up against any neighbor in Mercer County, Pennsylvania or any ZIP coast to coast. Every figure is auditable to a public dataset and refreshed as records update; 16145 shows blanks, not estimates, wherever the record is sparse.

The 22/100 figure for 16145 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 16145 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.