ZIP 16640 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 16640 (Cambria County, Pennsylvania) at a low 29/100 for overall property distress. Climate and flood risk are elevated too — flood (NFIP) exposure (77/100), climate & FEMA risk (75/100), FEMA disaster exposure (65/100). Latent structural risk is 64/100 while live distress already moving reads 7/100. Its heaviest discrete signals: structural risk (64/100), institutional ownership (52/100), construction/permit lag (52/100). On the quiet end sit mortgage stress (23/100).

The expansion-phase market in 16640 posted values that rose 5.0% over the year, 1.2% off the recent peak (phase confidence 39/100). Even climbing markets leave specific parcels in distress; the scoring isolates them.

Households earn a median $52,500 — below the roughly $78,000 national figure. Roughly 22.0% live below the poverty line, elevated and often tied to deferred-maintenance inventory. About 942 people live here, median age 51. On demographic stress specifically, 16640 scores 37/100. There are about 756 housing units across 16640. The tenure split is 95% owner-occupied to 5% rented. Around 75% of renters are cost-burdened. Home values center near $139,400, an affordability ratio of 2.4× — accessible. Educational attainment sits at 18% bachelor's-or-above. Vacancy runs 43.4%, above the national norm and a classic distress-and-opportunity signal.

Taken together, 16640 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. No parcel file is published for 16640 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

Whether 16640 runs hot or quiet, its 29/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 16640 can be compared directly against any other ZIP in Cambria County, Pennsylvania or nationwide. The score is rebuilt from public data as it updates, so 16640 reflects the current record instead of a stale or modeled snapshot.

The 29/100 figure for 16640 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. The point of the 16640 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.