ZIP 16836 Foreclosure, Tax-Lien & Distress Report

Clearfield County, Pennsylvania's ZIP 16836 registers 31/100 composite distress, which DLRadar reads as moderate. Climate and flood risk are elevated too — 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). On the structural side it scores 71/100, with 7/100 of stress already active.

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.

The vacancy rate is 39.5% — elevated. The demographic-stress sub-score lands at 30/100. Home values center near $131,700, an affordability ratio of 2.1× — accessible. 13.1% of residents fall below the poverty threshold. Population is roughly 1,106 with a median age of 55. Median household income is $59,205, below the U.S. median near $78,000. The tenure split is 91% owner-occupied to 10% rented. There are about 801 housing units across 16836. About 12% have a four-year degree. Rent burden reaches 46% of tenant households.

Net-net, 16836 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

The number is not local guesswork: 16836's 31/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. 16836 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

The 31/100 figure for 16836 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, 16836 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.