ZIP 18234 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 18234 (Luzerne County, Pennsylvania) lands at 25/100 — low on DLRadar's public-record scoring. The latent-versus-live split is 57/100 structural and 3/100 already moving. The most distinctive pressure shows up in structural risk (57/100), construction/permit lag (53/100), institutional ownership (19/100). By contrast, institutional ownership (19/100) and mortgage stress (9/100) register low. Climate and flood risk are elevated too — climate & FEMA risk (91/100), flood (NFIP) exposure (85/100).

Prices here sit in a expansion phase: values rose 7.4% over the trailing year, at 41/100 phase confidence. Even climbing markets leave specific parcels in distress; the scoring isolates them.

Vacancy runs 0.0%. There are about 333 housing units across 18234. Population is roughly 737 with a median age of 65. 58% of housing is owner-occupied. At $30,895, median income runs below typical U.S. levels. About 2% have a four-year degree. Home values center near $232,700, an affordability ratio of 7.2× — stretched. Around 0% of renters are cost-burdened. The demographic-stress sub-score lands at 45/100. Roughly 47.2% live below the poverty line, elevated and often tied to deferred-maintenance inventory.

Taken together, 18234 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. 18234 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

Because one deterministic model scores every ZIP, 18234's 25/100 can be lined up against any neighbor in Luzerne County, Pennsylvania or any ZIP coast to coast. Where the public record is thin for 18234, the field stays empty rather than modeled, and fills in as new documents post.

The 25/100 figure for 18234 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. The point of the 18234 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.