ZIP 16840 Foreclosure, Tax-Lien & Distress Report

ZIP code 16840 in Clearfield County, Pennsylvania carries a composite property-distress score of 31/100 — a moderate reading on DLRadar's deterministic public-record index. Environmental exposure also runs high (flood (NFIP) exposure (74/100), climate & FEMA risk (66/100), FEMA disaster exposure (65/100)). The split runs 71/100 structural to 7/100 active on the ground. Its standout signals are construction/permit lag (93/100), structural risk (71/100), institutional ownership (52/100). By contrast, mortgage stress (23/100) register low.

Prices here sit in a peak phase: values rose 4.2% over the trailing year (phase confidence 28/100). Topping markets hide individual distress behind strong averages.

Educational attainment sits at 0% bachelor's-or-above. The poverty rate is 0.0% — low. Rent burden reaches 0% of tenant households. Population is roughly 247 with a median age of 55. On demographic stress specifically, 16840 scores 16/100. Home values center near $10,000, an affordability ratio of 1.4× — accessible. Households earn a median $54,805 — below the roughly $78,000 national figure. There are about 151 housing units across 16840. 87% of housing is owner-occupied. The vacancy rate is 0.0%.

Overall, 16840 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. 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: 16840 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 31/100 composite is a like-for-like number rather than an isolated estimate. The score is rebuilt from public data as it updates, so 16840 reflects the current record instead of a stale or modeled snapshot.

16840's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. In workflow terms, 16840 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.