ZIP 17740 Foreclosure, Tax-Lien & Distress Report

Lycoming County, Pennsylvania's ZIP 17740 registers 27/100 composite distress, which DLRadar reads as low. What sets it apart are the readings on structural risk (60/100), institutional ownership (45/100), construction/permit lag (45/100). mortgage stress (21/100) stay muted. The split runs 60/100 structural to 6/100 active on the ground. Climate and flood risk are elevated too — flood (NFIP) exposure (85/100), climate & FEMA risk (75/100).

The peak-phase market in 17740 posted values that rose 4.9% over the year, and 20% higher over three years, at 27/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Households earn a median $71,000 — near the roughly $78,000 national figure. The tenure split is 84% owner-occupied to 16% rented. The poverty rate is 7.8%. Around 32% of renters are cost-burdened. 11,600 residents call 17740 home, typically aged 43. On demographic stress specifically, 17740 scores 25/100. About 21% have a four-year degree. A median home runs $179,600 here, or 2.6 times local income. Vacancy runs 11.6%, above the national norm and a classic distress-and-opportunity signal. There are about 4,992 housing units across 17740.

Net-net, 17740 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. There is no property file for 17740 at the moment; the composite and its components are still built from verifiable records.

No ZIP is too small to score: 17740 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 27/100 composite is a like-for-like number rather than an isolated estimate. Where the record is thin for 17740, the field stays empty rather than modeled, and fills in as new documents post.

The 27/100 figure for 17740 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. Practically, 17740 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.