ZIP 16858 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 16858 (Clearfield County, Pennsylvania) lands at 31/100 — moderate on DLRadar's distress scoring. On the structural side it scores 71/100, with 7/100 of stress already active. Climate and flood risk are elevated too — flood (NFIP) exposure (75/100), FEMA disaster exposure (71/100), climate & FEMA risk (66/100). What sets it apart are the readings on construction/permit lag (85/100), structural risk (71/100), institutional ownership (55/100). mortgage stress (23/100) stay muted.

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

Vacancy runs 12.0%, above the national norm and a classic distress-and-opportunity signal. Rent burden reaches 30% of tenant households. 3,953 residents call 16858 home, typically aged 51. 10.3% of residents fall below the poverty threshold. Home values center near $158,600, an affordability ratio of 2.9× — accessible. The ZIP holds roughly 1,998 housing units. 86% of housing is owner-occupied. Around 17% of adults hold a bachelor's degree or higher. The demographic-stress sub-score lands at 26/100. Households earn a median $57,292 — below the roughly $78,000 national figure.

On the whole, 16858 leans distressed, with opportunity clustered in specific stressed parcels. 16858 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

Whether 16858 runs hot or quiet, its 31/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 16858 can be compared directly against any other ZIP in Clearfield County, Pennsylvania or nationwide. Nothing here is interpolated — where a source is thin for 16858, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

The 31/100 figure for 16858 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. The point of the 16858 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.