ZIP 16865 Foreclosure, Tax-Lien & Distress Report

In Centre County, Pennsylvania, ZIP 16865 scores 14 of 100 for composite distress, a minimal level on DLRadar's public-record index. Climate and flood risk are elevated too — climate & FEMA risk (65/100), flood (NFIP) exposure (61/100). Its standout signals are structural risk (31/100), institutional ownership (14/100), mortgage stress (7/100). institutional ownership (14/100) and mortgage stress (7/100) stay muted. Structural risk reads 31/100 against active distress of 2/100.

The peak-phase market in 16865 posted values that rose 3.3% over the year, and 6% lower over three years, at 19/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

The tenure split is 77% owner-occupied to 23% rented. A median home runs $270,700 here, or 3.3 times local income. DLRadar's demographic-stress index for the area reads 26/100. Around 45% of renters are cost-burdened. About 1,657 people live here, median age 50. There are about 827 housing units across 16865. Around 49% of adults hold a bachelor's degree or higher. Roughly 6.8% live below the poverty line, a low share typical of higher-equity areas. The vacancy rate is 0.8%. Households earn a median $76,389 — near the roughly $78,000 national figure.

On balance 16865 is mixed, rewarding parcel-by-parcel screening over broad assumptions. No parcel file is published for 16865 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

The number is not local guesswork: 16865's 14/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. Sparse data for 16865 shows as blanks, never estimates, and the score updates on every fresh public filing.

Behind 16865'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. The point of the 16865 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.