ZIP 18612 Foreclosure, Tax-Lien & Distress Report

On DLRadar's 0-100 public-record scale, ZIP 18612 in Luzerne County, Pennsylvania comes in at 25, a low composite-distress reading. Environmental exposure also runs high (climate & FEMA risk (86/100), flood (NFIP) exposure (83/100)). The pressure is most legible in structural risk (57/100), construction/permit lag (53/100), institutional ownership (22/100). By contrast, institutional ownership (22/100) and mortgage stress (10/100) register low. Structural risk reads 57/100 against active distress of 3/100.

The market reads expansion — home values rose 7.4% year on year, and 23% higher over three years (phase confidence 41/100). Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

82% of housing is owner-occupied. 9.6% of residents fall below the poverty threshold. About 17,754 people live here, median age 43. The demographic-stress sub-score lands at 24/100. The typical home is worth about $259,300 (2.6× income, relatively affordable). The vacancy rate is 9.5%. There are about 6,483 housing units across 18612. Median household income is $97,022, above the U.S. median near $78,000. Around 37% of adults hold a bachelor's degree or higher. Around 34% of renters are cost-burdened.

Overall, 18612 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. Parcel-level detail for 18612 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

No ZIP is too small to score: 18612 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. Every figure is auditable to a public dataset and refreshed on ingest; 18612 shows blanks, not estimates, wherever the record is sparse.

The 25/100 figure for 18612 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. Practically, 18612 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.