ZIP 16641 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 16641 (Cambria County, Pennsylvania) returns a low composite of 28/100. Latent structural risk is 63/100 while live distress already moving reads 6/100. Its heaviest discrete signals: structural risk (63/100), construction/permit lag (53/100), institutional ownership (50/100). mortgage stress (21/100) stay muted. Environmental exposure also runs high (flood (NFIP) exposure (77/100), climate & FEMA risk (75/100), FEMA disaster exposure (60/100)).

Prices here sit in a expansion phase: values rose 5.2% over the trailing year, 1.1% off the recent peak (phase confidence 40/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

The vacancy rate is 12.5% — elevated. On demographic stress specifically, 16641 scores 21/100. 85% of housing is owner-occupied. The ZIP holds roughly 1,084 housing units. Population is roughly 2,444 with a median age of 43. The poverty rate is 8.1%. Home values center near $116,500, an affordability ratio of 1.7× — accessible. Around 19% of adults hold a bachelor's degree or higher. Rent burden reaches 21% of tenant households. At $63,558, median income runs below typical U.S. levels.

Taken together, 16641 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. 16641 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

No ZIP is too small to score: 16641 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 28/100 composite is a like-for-like number rather than an isolated estimate. Sparse data for 16641 shows as blanks, never estimates, and the score updates on every fresh public filing.

Each component behind 16641 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 28/100 roll-up. For a buyer, 16641 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.