ZIP 16863 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 16863 (Clearfield County, Pennsylvania) at a moderate 31/100 for overall property distress. On the structural side it scores 71/100, with 7/100 of stress already active. It additionally carries heavy environmental risk: flood (NFIP) exposure (75/100), FEMA disaster exposure (71/100), climate & FEMA risk (66/100). Its standout signals are construction/permit lag (85/100), structural risk (71/100), institutional ownership (55/100). By contrast, mortgage stress (23/100) register low.

The market reads peak — home values rose 4.2% year on year (phase confidence 28/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

The vacancy rate is 11.8% — elevated. 12.0% of residents fall below the poverty threshold. The tenure split is 79% owner-occupied to 21% rented. Rent burden reaches 21% of tenant households. 566 residents call 16863 home, typically aged 52. Educational attainment sits at 12% bachelor's-or-above. Home values center near $121,200, an affordability ratio of 1.4× — accessible. The ZIP holds roughly 320 housing units. The demographic-stress sub-score lands at 22/100. Median household income is $65,500, below the U.S. median near $78,000.

Net-net, 16863 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. No parcel file is published for 16863 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

No ZIP is too small to score: 16863 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 16863, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

16863'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, 16863 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.