ZIP 16912 Foreclosure, Tax-Lien & Distress Report

Tioga County, Pennsylvania's ZIP 16912 registers 22/100 composite distress, which DLRadar reads as low. It additionally carries heavy environmental risk: flood (NFIP) exposure (92/100), FEMA disaster exposure (65/100). Structurally it carries 49/100, against 8/100 of stress already in motion. Property-level stress concentrates in institutional ownership (56/100), structural risk (49/100), mortgage stress (25/100). By contrast, mortgage stress (25/100) register low.

The expansion-phase market in 16912 posted values that rose 5.1% over the year (phase confidence 42/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

At $67,768, median income runs below typical U.S. levels. The poverty rate is 10.6%. Rent burden reaches 34% of tenant households. The tenure split is 73% owner-occupied to 27% rented. Educational attainment sits at 23% bachelor's-or-above. About 2,524 people live here, median age 34. There are about 1,059 housing units across 16912. The demographic-stress sub-score lands at 27/100. Vacancy runs 20.6%, above the national norm and a classic distress-and-opportunity signal. A median home runs $148,400 here, or 2.0 times local income.

Taken together, 16912 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. While 16912 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

No ZIP is too small to score: 16912 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 22/100 composite is a like-for-like number rather than an isolated estimate. The score is rebuilt from public data as it updates, so 16912 reflects the current record instead of a stale or modeled snapshot.

16912'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, 16912 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.