ZIP 18241 Foreclosure, Tax-Lien & Distress Report

Scored on a fixed 0-100 scale, 18241 (Luzerne County, Pennsylvania) returns a low composite of 25/100. Structurally it carries 56/100, against 3/100 of stress already in motion. The most distinctive pressure shows up in structural risk (56/100), construction/permit lag (48/100), institutional ownership (20/100). By contrast, institutional ownership (20/100) and mortgage stress (9/100) register low. It additionally carries heavy environmental risk: climate & FEMA risk (90/100), flood (NFIP) exposure (87/100).

The market reads expansion — home values rose 7.3% year on year (phase confidence 40/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

Owners hold 79% of homes, renters 21%. The typical home is worth about $94,500 (1.4× income, relatively affordable). Around 0% of renters are cost-burdened. The vacancy rate is 17.1% — elevated. 293 residents call 18241 home, typically aged 66. Roughly 13.0% live below the poverty line. On demographic stress specifically, 18241 scores 19/100. Median household income is $71,625, near the U.S. median near $78,000. The ZIP holds roughly 192 housing units. Educational attainment sits at 12% bachelor's-or-above.

On the whole, 18241 leans distressed, with opportunity clustered in specific stressed parcels. Parcel-level detail for 18241 is not published yet -- the ZIP-level readings above remain fully sourced.

Because one deterministic model scores every ZIP, 18241's 25/100 can be lined up against any neighbor in Luzerne County, Pennsylvania or any ZIP coast to coast. 18241 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

Each component behind 18241 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 25/100 roll-up. The point of the 18241 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.