ZIP 16860 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 16860 (Clearfield County, Pennsylvania) lands at 24/100 — low on DLRadar's distress scoring. Its standout signals are structural risk (53/100), institutional ownership (41/100), construction/permit lag (40/100). On the quiet end sit mortgage stress (19/100). The latent-versus-live split is 53/100 structural and 6/100 already moving. Environmental exposure also runs high (flood (NFIP) exposure (71/100), climate & FEMA risk (66/100)).

Prices here sit in a peak phase: values rose 4.0% over the trailing year (phase confidence 26/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Population is roughly 393 with a median age of 53. Home values center near $98,500. About 5% have a four-year degree. The vacancy rate is 11.0%. Households earn a median $73,225 — near the roughly $78,000 national figure. DLRadar's demographic-stress index for the area reads 56/100. 100% of housing is owner-occupied. The ZIP holds roughly 302 housing units. The poverty rate is 3.3% — low.

Overall, 16860 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. While 16860 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

Big metro or rural, 16860 runs through one identical scoring model, so its 24/100 sits on the same scale as every other ZIP in Clearfield County, Pennsylvania and the nation. 16860 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

16860's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. For a buyer, 16860 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.