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County and ZIP distress scoring, cycle phase, and the day's opportunities.

ZIP 17765 Foreclosure, Tax-Lien & Distress Report

Tioga County, Pennsylvania · High Vacancy market

ZIP code 17765 in Tioga County, Pennsylvania carries a composite property-distress score of 24/100 — a low reading on DLRadar's deterministic public-record index. The latent-versus-live split is 53/100 structural and 7/100 already moving. Climate and flood risk are elevated too — flood (NFIP) exposure (89/100), climate & FEMA risk (68/100), FEMA disaster exposure (64/100). Its heaviest discrete signals: institutional ownership (55/100), structural risk (53/100), mortgage stress (24/100). By contrast, mortgage stress (24/100) and construction/permit lag (7/100) register low.

The market reads expansion — home values rose 5.0% year on year (phase confidence 36/100). Even climbing markets leave specific parcels in distress; the scoring isolates them.

93% of housing is owner-occupied. A median home runs $201,000 here, or 2.6 times local income. Around 57% of renters are cost-burdened. The vacancy rate is 27.0% — elevated. 1,281 residents call 17765 home, typically aged 46. The demographic-stress sub-score lands at 33/100. About 8% have a four-year degree. Median household income is $79,167, near the U.S. median near $78,000. The ZIP holds roughly 654 housing units. Roughly 17.7% live below the poverty line, elevated and often tied to deferred-maintenance inventory.

On the whole, 17765 leans distressed, with opportunity clustered in specific stressed parcels. While 17765 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

The 17765 read uses the identical public-record model applied coast to coast, which means its 24/100 score means exactly what it means anywhere else, and 17765 stays directly comparable to neighboring ZIPs and the rest of Tioga County, Pennsylvania. 17765 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

The 24/100 for 17765 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. For a buyer, 17765 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.

24/100
Composite stress
53/100
Structural risk
7/100
Distress activity

Signal-by-signal read on 17765

Foreclosure activity0
Mortgage stress24
Climate / FEMA risk68
+9 more distress dimensions scored for this ZIP

Tax delinquency, institutional ownership, insurance pressure, NFIP/flood, construction lag, price dislocation and auction velocity — plus the 0 individual distressed properties — each with owner, address, APN, its own distress score and an exit read — are in the full report.

17765 at a glance

Real-time distress, cycle phase, housing and bank-stress readings for 17765, the same set carried on every parcel.

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Deterministic scoring, sourced entirely from public data · methodology

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