ZIP 16861 Foreclosure, Tax-Lien & Distress Report

In Clearfield County, Pennsylvania, ZIP 16861 scores 31 of 100 for composite distress, a moderate level on DLRadar's distress index. On the structural side it scores 71/100, with 0/100 of stress already active. Climate and flood risk are elevated too — flood (NFIP) exposure (75/100), FEMA disaster exposure (73/100), climate & FEMA risk (66/100). Its heaviest discrete signals: construction/permit lag (85/100), structural risk (71/100), institutional ownership (55/100).

Prices here sit in a peak phase: values rose 4.2% over the trailing year, at 28/100 phase confidence. Topping markets hide individual distress behind strong averages.

The poverty rate is 27.7% — high, a tax-stress and distress correlate. The tenure split is 97% owner-occupied to 3% rented. About 274 people live here, median age 56. There are about 216 housing units across 16861. Vacancy runs 29.4%, above the national norm and a classic distress-and-opportunity signal. Median household income is $21,985, below the U.S. median near $78,000. DLRadar's demographic-stress index for the area reads 63/100. Around 5% of adults hold a bachelor's degree or higher.

Net-net, 16861 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. There is no property file for 16861 at the moment; the composite and its components are still built from verifiable records.

No ZIP is too small to score: 16861 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 31/100 composite is a like-for-like number rather than an isolated estimate. Nothing here is interpolated — where a source is thin for 16861, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

Behind 16861'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. For an operator, 16861 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.