ZIP 16845 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 16845 (Centre County, Pennsylvania) returns a low composite of 18/100. The latent-versus-live split is 40/100 structural and 4/100 already moving. Its standout signals are structural risk (40/100), institutional ownership (28/100), mortgage stress (13/100). On the quiet end sit mortgage stress (13/100) and construction/permit lag (9/100). It additionally carries heavy environmental risk: climate & FEMA risk (67/100), flood (NFIP) exposure (65/100).

The market reads peak — home values rose 3.5% year on year (phase confidence 21/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

955 residents call 16845 home, typically aged 42. Owners hold 93% of homes, renters 7%. A median home runs $161,300 here, or 2.1 times local income. Vacancy runs 26.9%, above the national norm and a classic distress-and-opportunity signal. Roughly 9.4% live below the poverty line. About 7% have a four-year degree. At $66,875, median income runs below typical U.S. levels. Around 56% of renters are cost-burdened. The ZIP holds roughly 389 housing units. DLRadar's demographic-stress index for the area reads 30/100.

Taken together, 16845 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. While 16845 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

The 16845 read uses the identical public-record model applied coast to coast, which means its 18/100 score means exactly what it means anywhere else, and 16845 stays directly comparable to neighboring ZIPs and the rest of Centre County, Pennsylvania. The score is rebuilt from public data as it updates, so 16845 reflects the current record instead of a stale or modeled snapshot.

The 18/100 for 16845 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. Practically, 16845 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.