ZIP 16851 Foreclosure, Tax-Lien & Distress Report

ZIP code 16851 in Centre County, Pennsylvania carries a composite property-distress score of 15/100 — a low reading on DLRadar's deterministic distress index. What sets it apart are the readings on structural risk (32/100), institutional ownership (14/100), mortgage stress (7/100). institutional ownership (14/100) and mortgage stress (7/100) stay muted. Climate and flood risk are elevated too — climate & FEMA risk (68/100), flood (NFIP) exposure (60/100). Structural exposure scores 32 and live distress 2 on the 0–100 scale.

Prices here sit in a peak phase: values rose 3.1% over the trailing year, and 12% higher over three years, at 17/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Rent burden reaches 8% of tenant households. The poverty rate is 9.2%. The demographic-stress sub-score lands at 45/100. Educational attainment sits at 38% bachelor's-or-above. About 993 people live here, median age 35. The tenure split is 62% owner-occupied to 38% rented. There are about 422 housing units across 16851. Home values center near $420,400. Vacancy runs 18.6%, above the national norm and a classic distress-and-opportunity signal.

Taken together, 16851 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. While 16851 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

Because one deterministic model scores every ZIP, 16851's 15/100 can be lined up against any neighbor in Centre County, Pennsylvania or any ZIP coast to coast. The score is rebuilt from public data as it updates, so 16851 reflects the current record instead of a stale or modeled snapshot.

Behind 16851's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. The point of the 16851 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.