ZIP 16849 Foreclosure, Tax-Lien & Distress Report

In Clearfield County, Pennsylvania, ZIP 16849 scores 31 of 100 for composite distress, a moderate level on DLRadar's public-record index. Structurally it carries 71/100, against 0/100 of stress already in motion. The pressure is most legible in construction/permit lag (93/100), structural risk (71/100), institutional ownership (52/100). Environmental exposure also runs high (flood (NFIP) exposure (74/100), climate & FEMA risk (66/100), FEMA disaster exposure (65/100)).

The market reads peak — home values rose 4.2% year on year, at 28/100 phase confidence. Topping markets hide individual distress behind strong averages.

Roughly 6.9% live below the poverty line, a low share typical of higher-equity areas. 100% of housing is owner-occupied. Vacancy runs 22.5%, above the national norm and a classic distress-and-opportunity signal. The ZIP holds roughly 97 housing units. About 0% have a four-year degree. The demographic-stress sub-score lands at 25/100. 101 residents call 16849 home, typically aged 48.

Net-net, 16849 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. There is no property file for 16849 at the moment; the composite and its components are still built from verifiable public records.

No ZIP is too small to score: 16849 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. Nothing here is interpolated — where a source is thin for 16849, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

Each component behind 16849 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 31/100 roll-up. For a buyer, 16849 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.