ZIP 16154 Foreclosure, Tax-Lien & Distress Report

On DLRadar's 0-100 public-record scale, ZIP 16154 in Mercer County, Pennsylvania comes in at 23, a low composite-distress reading. What sets it apart are the readings on construction/permit lag (63/100), structural risk (51/100), institutional ownership (15/100). On the quiet end sit institutional ownership (15/100) and mortgage stress (7/100). Environmental exposure also runs high (climate & FEMA risk (77/100), flood (NFIP) exposure (64/100)). Latent structural risk is 51/100 while live distress already moving reads 2/100.

The peak-phase market in 16154 posted values that rose 4.2% over the year, and 31% higher over three years, at 28/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

97% of housing is owner-occupied. Vacancy runs 2.7%. Median household income is $70,441, near the U.S. median near $78,000. Around 0% of renters are cost-burdened. On demographic stress specifically, 16154 scores 17/100. Around 20% of adults hold a bachelor's degree or higher. 3.5% of residents fall below the poverty threshold. About 2,351 people live here, median age 53. A median home runs $167,000 here, or 2.4 times local income. There are about 1,157 housing units across 16154.

On balance 16154 is mixed, rewarding parcel-by-parcel screening over broad assumptions. While 16154 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

Big metro or rural, 16154 runs through one identical public-record model, so its 23/100 sits on the same scale as every other ZIP in Mercer County, Pennsylvania and the nation. Every figure is auditable to a public dataset and refreshed on ingest; 16154 shows blanks, not estimates, wherever the record is sparse.

Behind 16154's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. Treat 16154 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.