ZIP 18407 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 18407 (Lackawanna County, Pennsylvania) lands at 24/100 — low on DLRadar's public-record scoring. Environmental exposure also runs high (climate & FEMA risk (86/100), flood (NFIP) exposure (76/100)). What sets it apart are the readings on structural risk (55/100), construction/permit lag (54/100), institutional ownership (20/100). By contrast, institutional ownership (20/100) and mortgage stress (9/100) register low. Structural risk reads 55/100 against active distress of 3/100.

The expansion-phase market in 18407 posted values that rose 7.2% over the year, and 17% higher over three years (phase confidence 38/100). Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

There are about 6,857 housing units across 18407. A median home runs $162,800 here, or 2.5 times local income. About 26% have a four-year degree. Median household income is $57,261, below the U.S. median near $78,000. About 14,664 people live here, median age 42. The poverty rate is 18.9% — high, a tax-stress and distress correlate. Owners hold 64% of homes, renters 36%. The demographic-stress sub-score lands at 29/100. The vacancy rate is 12.9% — elevated. Rent burden reaches 37% of tenant households.

Net-net, 18407 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. While 18407 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

No ZIP is too small to score: 18407 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 24/100 composite is a like-for-like number rather than an isolated estimate. Nothing here is interpolated — where a source is thin for 18407, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

Behind 18407's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. Practically, 18407 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.