ZIP 16801 Foreclosure, Tax-Lien & Distress Report

ZIP code 16801 in Centre County, Pennsylvania carries a composite property-distress score of 15/100 — a low reading on DLRadar's deterministic public-record index. The latent-versus-live split is 32/100 structural and 2/100 already moving. Climate and flood risk are elevated too — climate & FEMA risk (68/100), flood (NFIP) exposure (60/100). Its heaviest discrete signals: structural risk (32/100), institutional ownership (14/100), mortgage stress (7/100). institutional ownership (14/100) and mortgage stress (7/100) stay muted.

Prices here sit in a peak phase: values rose 3.1% over the trailing year, and 15% higher over three years, at 17/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

A median home runs $414,600 here, or 6.4 times local income. About 67% have a four-year degree. The vacancy rate is 10.8%. The ZIP holds roughly 19,271 housing units. About 42,153 people live here, median age 27. Roughly 28.1% live below the poverty line, elevated and often tied to deferred-maintenance inventory. 44% of housing is owner-occupied. Around 54% of renters are cost-burdened. On demographic stress specifically, 16801 scores 43/100. At $62,821, median income runs below typical U.S. levels.

Taken together, 16801 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. There is no property file for 16801 at the moment; the composite and its components are still built from verifiable public records.

Whether 16801 runs hot or quiet, its 15/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 16801 can be compared directly against any other ZIP in Centre County, Pennsylvania or nationwide. Where the public record is thin for 16801, the field stays empty rather than modeled, and fills in as new documents post.

The 15/100 figure for 16801 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 16801 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.