ZIP 16828 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 16828 (Centre County, Pennsylvania) at a low 15/100 for overall property distress. The pressure is most legible in structural risk (32/100), institutional ownership (14/100), mortgage stress (7/100). By contrast, institutional ownership (14/100) and mortgage stress (7/100) register low. Structurally it carries 32/100, against 2/100 of stress already in motion. It additionally carries heavy environmental risk: climate & FEMA risk (68/100), flood (NFIP) exposure (60/100).

The peak-phase market in 16828 posted values that rose 3.1% over the year, and 19% higher over three years, at 17/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

5.1% of residents fall below the poverty threshold. Around 33% of renters are cost-burdened. Educational attainment sits at 29% bachelor's-or-above. A median home runs $273,800 here, or 3.7 times local income. The ZIP holds roughly 2,321 housing units. Population is roughly 4,774 with a median age of 50. Median household income is $73,810, near the U.S. median near $78,000. DLRadar's demographic-stress index for the area reads 27/100. Owners hold 86% of homes, renters 14%. Vacancy runs 6.0%.

On balance 16828 is mixed, rewarding parcel-by-parcel screening over broad assumptions. 16828 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

Whether 16828 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 16828 can be compared directly against any other ZIP in Centre County, Pennsylvania or nationwide. Nothing here is interpolated — where a source is thin for 16828, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

The 15/100 figure for 16828 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 a buyer, 16828 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.