ZIP 16650 Foreclosure, Tax-Lien & Distress Report

Bedford County, Pennsylvania's ZIP 16650 registers 20/100 composite distress, which DLRadar reads as low. On the structural side it scores 45/100, with 3/100 of stress already active. Environmental exposure also runs high (climate & FEMA risk (67/100), flood (NFIP) exposure (67/100)). Property-level stress concentrates in construction/permit lag (46/100), structural risk (45/100), institutional ownership (16/100). By contrast, institutional ownership (16/100) and mortgage stress (9/100) register low.

The expansion-phase market in 16650 posted values that rose 5.1% over the year, at 42/100 phase confidence. Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

Home values center near $157,700, an affordability ratio of 2.6× — accessible. 83% of housing is owner-occupied. About 1,797 people live here, median age 44. Around 13% of adults hold a bachelor's degree or higher. Roughly 18.5% live below the poverty line, elevated and often tied to deferred-maintenance inventory. Median household income is $58,981, below the U.S. median near $78,000. There are about 872 housing units across 16650. The demographic-stress sub-score lands at 33/100. Vacancy runs 24.1%, above the national norm and a classic distress-and-opportunity signal. Rent burden reaches 52% of tenant households.

Taken together, 16650 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. While 16650 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

No ZIP is too small to score: 16650 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 20/100 composite is a like-for-like number rather than an isolated estimate. The score is rebuilt from public data as it updates, so 16650 reflects the current record instead of a stale or modeled snapshot.

Behind 16650'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. Practically, 16650 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.