ZIP 18504 Foreclosure, Tax-Lien & Distress Report

Lackawanna County, Pennsylvania's ZIP 18504 registers 25/100 composite distress, which DLRadar reads as low. Structural exposure scores 57 and live distress 2 on the 0–100 scale. Environmental exposure also runs high (climate & FEMA risk (89/100), flood (NFIP) exposure (77/100)). The sharpest non-environmental signals are construction/permit lag (62/100), structural risk (57/100), institutional ownership (17/100). institutional ownership (17/100) and mortgage stress (8/100) stay muted.

Prices here sit in a expansion phase: values rose 7.4% over the trailing year, and 18% higher over three years (phase confidence 41/100). Even climbing markets leave specific parcels in distress; the scoring isolates them.

20,563 residents call 18504 home, typically aged 40. The ZIP holds roughly 9,981 housing units. Owners hold 61% of homes, renters 39%. Around 20% of adults hold a bachelor's degree or higher. Home values center near $160,900, an affordability ratio of 2.7× — accessible. Vacancy runs 14.8%, above the national norm and a classic distress-and-opportunity signal. Around 48% of renters are cost-burdened. On demographic stress specifically, 18504 scores 34/100. At $52,542, median income runs below typical U.S. levels. 21.2% of residents fall below the poverty threshold.

Taken together, 18504 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. While 18504 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: 18504 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 25/100 composite is a like-for-like number rather than an isolated estimate. Where the record is thin for 18504, the field stays empty rather than modeled, and fills in as new documents post.

18504's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. The point of the 18504 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.