ZIP 16825 Foreclosure, Tax-Lien & Distress Report

In Clearfield County, Pennsylvania, ZIP 16825 scores 31 of 100 for composite distress, a moderate level on DLRadar's public-record index. The split runs 71/100 structural to 7/100 active on the ground. It additionally carries heavy environmental risk: flood (NFIP) exposure (74/100), climate & FEMA risk (66/100), FEMA disaster exposure (65/100). The sharpest non-environmental signals are construction/permit lag (93/100), structural risk (71/100), institutional ownership (52/100). On the quiet end sit mortgage stress (23/100).

The market reads peak — home values rose 4.2% year on year (phase confidence 28/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Population is roughly 265 with a median age of 27. The tenure split is 75% owner-occupied to 25% rented. The vacancy rate is 19.0% — elevated. 0.0% of residents fall below the poverty threshold. Median household income is $59,669, below the U.S. median near $78,000. There are about 112 housing units across 16825. Home values center near $152,500, an affordability ratio of 1.9× — accessible. On demographic stress specifically, 16825 scores 16/100. Rent burden reaches 0% of tenant households. Around 41% of adults hold a bachelor's degree or higher.

Net-net, 16825 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. While 16825 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

Because one deterministic model scores every ZIP, 16825's 31/100 can be lined up against any neighbor in Clearfield County, Pennsylvania or any ZIP coast to coast. Every figure is auditable to a public dataset and refreshed on ingest; 16825 shows blanks, not estimates, wherever the record is sparse.

Each component behind 16825 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 31/100 roll-up. Practically, 16825 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.