ZIP 18631 Foreclosure, Tax-Lien & Distress Report

Columbia County, Pennsylvania's ZIP 18631 registers 16/100 composite distress, which DLRadar reads as low. Its heaviest discrete signals: structural risk (37/100), institutional ownership (17/100), construction/permit lag (13/100). By contrast, construction/permit lag (13/100) and mortgage stress (8/100) register low. It additionally carries heavy environmental risk: flood (NFIP) exposure (74/100), climate & FEMA risk (64/100). Structural exposure scores 37 and live distress 2 on the 0–100 scale.

Prices here sit in a peak phase: values rose 4.2% over the trailing year, at 28/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

The tenure split is 86% owner-occupied to 14% rented. Population is roughly 1,109 with a median age of 48. Vacancy runs 8.1%. Rent burden reaches 39% of tenant households. Median household income is $49,643, below the U.S. median near $78,000. The ZIP holds roughly 533 housing units. 11.0% of residents fall below the poverty threshold. The demographic-stress sub-score lands at 30/100. Educational attainment sits at 29% bachelor's-or-above. The typical home is worth about $214,100 (4.3× income).

Net-net, 18631 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. No parcel file is published for 18631 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

No ZIP is too small to score: 18631 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 16/100 composite is a like-for-like number rather than an isolated estimate. Sparse data for 18631 shows as blanks, never estimates, and the score updates on every fresh public filing.

Each component behind 18631 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 16/100 roll-up. In workflow terms, 18631 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.