ZIP 18634 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 18634 (Luzerne County, Pennsylvania) at a low 25/100 for overall property distress. Structural risk reads 57/100 against active distress of 3/100. It additionally carries heavy environmental risk: climate & FEMA risk (91/100), flood (NFIP) exposure (88/100). What sets it apart are the readings on structural risk (57/100), construction/permit lag (49/100), institutional ownership (20/100). By contrast, institutional ownership (20/100) and mortgage stress (9/100) register low.

Prices here sit in a expansion phase: values rose 7.4% over the trailing year, and 34% higher over three years, at 41/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

13,638 residents call 18634 home, typically aged 41. Home values center near $111,700, an affordability ratio of 1.8× — accessible. The vacancy rate is 13.6% — elevated. Educational attainment sits at 19% bachelor's-or-above. 63% of housing is owner-occupied. 18.2% of residents fall below the poverty threshold. Rent burden reaches 27% of tenant households. There are about 6,592 housing units across 18634. On demographic stress specifically, 18634 scores 27/100. Median household income is $60,482, below the U.S. median near $78,000.

On the whole, 18634 leans distressed, with opportunity clustered in specific stressed parcels. There is no property file for 18634 at the moment; the composite and its components are still built from verifiable records.

The number is not local guesswork: 18634's 25/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. Nothing here is interpolated — where a source is thin for 18634, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

The 25/100 figure for 18634 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. For a buyer, 18634 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.