ZIP 18635 Foreclosure, Tax-Lien & Distress Report
Luzerne County, Pennsylvania · Affordable market
On DLRadar's 0-100 distress scale, ZIP 18635 in Luzerne County, Pennsylvania comes in at 22, a low composite-distress reading. Its heaviest discrete signals: structural risk (51/100), construction/permit lag (43/100), institutional ownership (19/100). On the quiet end sit institutional ownership (19/100) and mortgage stress (8/100). The latent-versus-live split is 51/100 structural and 3/100 already moving. Environmental exposure also runs high (flood (NFIP) exposure (82/100), climate & FEMA risk (80/100)).
Prices here sit in a expansion phase: values rose 6.1% over the trailing year, and 20% higher over three years, at 31/100 phase confidence. Even climbing markets leave specific parcels in distress; the scoring isolates them.
There are about 1,787 housing units across 18635. Rent burden reaches 25% of tenant households. 6.3% of residents fall below the poverty threshold. About 21% have a four-year degree. Households earn a median $70,774 — near the roughly $78,000 national figure. 3,640 residents call 18635 home, typically aged 45. Home values center near $195,800, an affordability ratio of 2.6× — accessible. DLRadar's demographic-stress index for the area reads 24/100. 83% of housing is owner-occupied. Vacancy runs 9.9%.
On balance 18635 is mixed, rewarding parcel-by-parcel screening over broad assumptions. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.
Whether 18635 runs hot or quiet, its 22/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 18635 can be compared directly against any other ZIP in Luzerne County, Pennsylvania or nationwide. Sparse data for 18635 shows as blanks, never estimates, and the score updates on every fresh public filing.
Each component behind 18635 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 22/100 roll-up. For an operator, 18635 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.
What is driving ZIP 18635’s distress
Tax arrears, institutional buyers, insurance load, flood exposure, stalled construction, dislocated pricing and auction velocity — together with the 0 individual distressed properties carry owner, address, APN, a parcel-level score and an exit read in the full DLRadar file.
ZIP 18635 Stress Report snapshot
Current distress, phase, housing and lender-pressure figures for 18635, drawn from the same report attached to each property.
Nearby ZIPs in Luzerne County
Nearest ZIP codes to 18635
By straight-line distance between ZIP centers — the surrounding market, whichever county or state line it crosses.
Explore related distress reports
Additional distress intelligence spanning Luzerne County, Pennsylvania by ZIP, county and state.
Open the complete 18635 acquisition file
Pull every distressed parcel in 18635 — owner, address, APN, distress score, lender exposure and exit read — with owner and lender records one click away. Nationwide coverage, continuously updated.
Rules-based scoring — each signal ties to a public dataset · methodology