ZIP 16651 Foreclosure, Tax-Lien & Distress Report

Clearfield County, Pennsylvania's ZIP 16651 registers 31/100 composite distress, which DLRadar reads as moderate. The sharpest non-environmental signals are construction/permit lag (85/100), structural risk (71/100), institutional ownership (55/100). On the quiet end sit mortgage stress (23/100). The split runs 71/100 structural to 7/100 active on the ground. Environmental exposure also runs high (flood (NFIP) exposure (75/100), FEMA disaster exposure (73/100), climate & FEMA risk (66/100)).

The peak-phase market in 16651 posted values that rose 4.2% over the year, at 28/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Rent burden reaches 29% of tenant households. Vacancy runs 16.7%, above the national norm and a classic distress-and-opportunity signal. There are about 1,727 housing units across 16651. Around 8% of adults hold a bachelor's degree or higher. Households earn a median $64,965 — below the roughly $78,000 national figure. 80% of housing is owner-occupied. Roughly 12.4% live below the poverty line. The typical home is worth about $111,100 (1.5× income, relatively affordable). The demographic-stress sub-score lands at 25/100. Population is roughly 5,777 with a median age of 43.

Net-net, 16651 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Parcel-level detail for 16651 is not published yet -- the ZIP-level readings above remain fully sourced.

Whether 16651 runs hot or quiet, its 31/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 16651 can be compared directly against any other ZIP in Clearfield County, Pennsylvania or nationwide. Where the record is thin for 16651, the field stays empty rather than modeled, and fills in as new documents post.

The 31/100 figure for 16651 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. For an operator, 16651 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.