ZIP 18644 Foreclosure, Tax-Lien & Distress Report

ZIP code 18644 in Luzerne County, Pennsylvania carries a composite property-distress score of 25/100 — a low reading on DLRadar's deterministic public-record index. What sets it apart are the readings on structural risk (57/100), construction/permit lag (53/100), institutional ownership (19/100). By contrast, institutional ownership (19/100) and mortgage stress (9/100) register low. Structural exposure scores 57 and live distress 3 on the 0–100 scale. Climate and flood risk are elevated too — climate & FEMA risk (91/100), flood (NFIP) exposure (85/100).

The expansion-phase market in 18644 posted values that rose 7.4% over the year, and 24% higher over three years, at 41/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

Home values center near $179,200, an affordability ratio of 2.3× — accessible. The poverty rate is 6.5% — low. At $72,803, median income runs near typical U.S. levels. There are about 3,836 housing units across 18644. Population is roughly 7,318 with a median age of 48. Around 33% of adults hold a bachelor's degree or higher. The vacancy rate is 5.5%. On demographic stress specifically, 18644 scores 23/100. Around 32% of renters are cost-burdened. Owners hold 75% of homes, renters 25%.

Overall, 18644 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. 18644 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

No ZIP is too small to score: 18644 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. Nothing here is interpolated — where a source is thin for 18644, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

The 25/100 for 18644 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. Practically, 18644 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.