ZIP 17304 Foreclosure, Tax-Lien & Distress Report
Adams County, Pennsylvania · Distress market
Adams County, Pennsylvania's ZIP 17304 registers 21/100 composite distress, which DLRadar reads as low. The sharpest non-environmental signals are construction/permit lag (50/100), structural risk (48/100), institutional ownership (17/100). By contrast, institutional ownership (17/100) and mortgage stress (8/100) register low. Climate and flood risk are elevated too — flood (NFIP) exposure (77/100), climate & FEMA risk (69/100). On the structural side it scores 48/100, with 2/100 of stress already active.
The neutral-phase market in 17304 posted values that rose 3.8% over the year, and 7% higher over three years (phase confidence 24/100). Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.
About 21% have a four-year degree. Roughly 10.2% live below the poverty line. Rent burden reaches 10% of tenant households. A median home runs $248,000 here, or 3.0 times local income. There are about 1,123 housing units across 17304. The demographic-stress sub-score lands at 24/100. Median household income is $85,625, near the U.S. median near $78,000. Vacancy runs 4.7%. The tenure split is 83% owner-occupied to 17% rented. Population is roughly 3,039 with a median age of 37.
Overall 17304 looks resilient on the surface, so the edge is isolating individual stressed parcels. 17304 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.
No ZIP is too small to score: 17304 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 21/100 composite is a like-for-like number rather than an isolated estimate. Every figure is auditable to a public dataset and refreshed on ingest; 17304 shows blanks, not estimates, wherever the record is sparse.
17304's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. For an operator, 17304 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.
Signal-by-signal read on 17304
Delinquent tax, institutional holdings, insurance strain, flood/NFIP exposure, build-out lag, price dislocation and auction pace — along with the 0 individual distressed properties are listed in full, with owner, address, APN, per-parcel score and exit-velocity read.
ZIP 17304 Stress Report snapshot
17304 live: composite distress, market phase, housing detail and lender pressure, identical to the per-property report.
Adams County ZIPs near 17304
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Rules-based scoring — each signal ties to a public dataset · methodology