ZIP 16821 Foreclosure, Tax-Lien & Distress Report

In Clearfield County, Pennsylvania, ZIP 16821 scores 30 of 100 for composite distress, a moderate level on DLRadar's distress index. The latent-versus-live split is 68/100 structural and 0/100 already moving. Leading the profile are construction/permit lag (85/100), structural risk (68/100), institutional ownership (49/100). Climate and flood risk are elevated too — flood (NFIP) exposure (75/100), climate & FEMA risk (66/100).

The market reads peak — home values rose 4.2% year on year, at 28/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Population is roughly 187 with a median age of 39. 100% of housing is owner-occupied. The poverty rate is 0.0% — low. The vacancy rate is 0.0%. The ZIP holds roughly 37 housing units. On demographic stress specifically, 16821 scores 25/100. Around 47% of adults hold a bachelor's degree or higher. At $101,700, median income runs above typical U.S. levels.

On balance 16821 is mixed, rewarding parcel-by-parcel screening over broad assumptions. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

No ZIP is too small to score: 16821 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 30/100 composite is a like-for-like number rather than an isolated estimate. Sparse data for 16821 shows as blanks, never estimates, and the score updates on every fresh public filing.

Behind 16821'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. In workflow terms, 16821 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.