ZIP 18444 Foreclosure, Tax-Lien & Distress Report

In Lackawanna County, Pennsylvania, ZIP 18444 scores 25 of 100 for composite distress, a low level on DLRadar's public-record index. It additionally carries heavy environmental risk: climate & FEMA risk (84/100), flood (NFIP) exposure (74/100). The latent-versus-live split is 55/100 structural and 3/100 already moving. The sharpest non-environmental signals are construction/permit lag (56/100), structural risk (55/100), institutional ownership (22/100). On the quiet end sit institutional ownership (22/100) and mortgage stress (10/100).

Prices here sit in a expansion phase: values rose 7.1% over the trailing year, and 24% higher over three years (phase confidence 36/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

85% of housing is owner-occupied. Rent burden reaches 53% of tenant households. The vacancy rate is 10.0%. Around 33% of adults hold a bachelor's degree or higher. At $84,919, median income runs near typical U.S. levels. DLRadar's demographic-stress index for the area reads 28/100. 7.5% of residents fall below the poverty threshold. The typical home is worth about $261,100 (2.9× income, relatively affordable). The ZIP holds roughly 5,916 housing units. About 13,681 people live here, median age 47.

Net-net, 18444 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. Parcel-level detail for 18444 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

Whether 18444 runs hot or quiet, its 25/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 18444 can be compared directly against any other ZIP in Lackawanna County, Pennsylvania or nationwide. Where the public record is thin for 18444, the field stays empty rather than modeled, and fills in as new documents post.

Each component behind 18444 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 25/100 roll-up. Treat 18444 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.