ZIP 16859 Foreclosure, Tax-Lien & Distress Report

In Centre County, Pennsylvania, ZIP 16859 scores 15 of 100 for composite distress, a low level on DLRadar's public-record index. Property-level stress concentrates in structural risk (32/100), institutional ownership (14/100), mortgage stress (7/100). institutional ownership (14/100) and mortgage stress (7/100) stay muted. The split runs 32/100 structural to 2/100 active on the ground. Climate and flood risk are elevated too — climate & FEMA risk (68/100), flood (NFIP) exposure (60/100).

Prices here sit in a peak phase: values rose 3.1% over the trailing year (phase confidence 17/100). Topping markets hide individual distress behind strong averages.

Home values center near $142,600, an affordability ratio of 2.4× — accessible. Roughly 11.7% live below the poverty line. Households earn a median $56,667 — below the roughly $78,000 national figure. About 498 people live here, median age 48. The demographic-stress sub-score lands at 22/100. Around 10% of adults hold a bachelor's degree or higher. Rent burden reaches 0% of tenant households. The ZIP holds roughly 327 housing units. The tenure split is 94% owner-occupied to 6% rented. The vacancy rate is 30.6% — elevated.

Net-net, 16859 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. 16859 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

Because one deterministic model scores every ZIP, 16859's 15/100 can be lined up against any neighbor in Centre County, Pennsylvania or any ZIP coast to coast. Every figure is auditable to a public dataset and refreshed on ingest; 16859 shows blanks, not estimates, wherever the record is sparse.

The 15/100 figure for 16859 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. For an operator, 16859 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.