ZIP 17851 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 17851 (Northumberland County, Pennsylvania) at a low 20/100 for overall property distress. Climate and flood risk are elevated too — climate & FEMA risk (79/100). The most distinctive pressure shows up in construction/permit lag (79/100), structural risk (44/100), mortgage stress (4/100). On the quiet end sit mortgage stress (4/100) and institutional ownership (3/100). Structurally it carries 44/100, against 1/100 of stress already in motion.

The peak-phase market in 17851 posted values that rose 4.2% over the year (phase confidence 28/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

The ZIP holds roughly 4,020 housing units. At $53,808, median income runs below typical U.S. levels. The typical home is worth about $79,300 (1.4× income, relatively affordable). The tenure split is 76% owner-occupied to 24% rented. On demographic stress specifically, 17851 scores 24/100. Around 25% of renters are cost-burdened. About 7,174 people live here, median age 44. Educational attainment sits at 17% bachelor's-or-above. The vacancy rate is 23.9% — elevated. Roughly 15.9% live below the poverty line.

Taken together, 17851 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. No parcel file is published for 17851 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

No ZIP is too small to score: 17851 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 20/100 composite is a like-for-like number rather than an isolated estimate. Nothing here is interpolated — where a source is thin for 17851, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

The 20/100 figure for 17851 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. For a buyer, 17851 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.