ZIP 16854 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 16854 (Centre County, Pennsylvania) lands at 15/100 — low on DLRadar's public-record scoring. The latent-versus-live split is 32/100 structural and 2/100 already moving. Environmental exposure also runs high (climate & FEMA risk (68/100), flood (NFIP) exposure (60/100)). The most distinctive pressure shows up in structural risk (32/100), institutional ownership (14/100), mortgage stress (7/100). On the quiet end sit institutional ownership (14/100) and mortgage stress (7/100).

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

The ZIP holds roughly 370 housing units. 83% of housing is owner-occupied. Median household income is $66,667, below the U.S. median near $78,000. Vacancy runs 10.3%. The typical home is worth about $244,200 (3.3× income, relatively affordable). Educational attainment sits at 28% bachelor's-or-above. Around 22% of renters are cost-burdened. On demographic stress specifically, 16854 scores 24/100. About 781 people live here, median age 43. Roughly 2.7% live below the poverty line, a low share typical of higher-equity areas.

Net-net, 16854 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. There is no property file for 16854 at the moment; the composite and its components are still built from verifiable public records.

The number is not local guesswork: 16854's 15/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. Sparse data for 16854 shows as blanks, never estimates, and the score updates on every fresh public filing.

16854'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. For a buyer, 16854 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.