ZIP 18434 Foreclosure, Tax-Lien & Distress Report

ZIP 18434's composite property-distress score is 24/100 - DLRadar classes that as low for Lackawanna County, Pennsylvania. Environmental exposure also runs high (climate & FEMA risk (89/100), flood (NFIP) exposure (76/100)). Property-level stress concentrates in structural risk (55/100), construction/permit lag (54/100), institutional ownership (17/100). By contrast, institutional ownership (17/100) and mortgage stress (8/100) register low. Structural risk reads 55/100 against active distress of 2/100.

The expansion-phase market in 18434 posted values that rose 7.4% over the year, and 5% higher over three years, at 41/100 phase confidence. Even climbing markets leave specific parcels in distress; the scoring isolates them.

The tenure split is 65% owner-occupied to 35% rented. Households earn a median $60,396 — below the roughly $78,000 national figure. Vacancy runs 6.2%. Roughly 18.8% live below the poverty line, elevated and often tied to deferred-maintenance inventory. There are about 2,002 housing units across 18434. Rent burden reaches 67% of tenant households. Home values center near $164,000, an affordability ratio of 2.7× — accessible. The demographic-stress sub-score lands at 34/100. Population is roughly 4,019 with a median age of 47. Around 26% of adults hold a bachelor's degree or higher.

Overall, 18434 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. While 18434 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

The 18434 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 18434 stays directly comparable to neighboring ZIPs and the rest of Lackawanna County, Pennsylvania. Where the public record is thin for 18434, the field stays empty rather than modeled, and fills in as new documents post.

The 24/100 figure for 18434 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. In workflow terms, 18434 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.