ZIP 18651 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 18651 (Luzerne County, Pennsylvania) returns a low composite of 25/100. Environmental exposure also runs high (climate & FEMA risk (91/100), flood (NFIP) exposure (85/100)). The split runs 57/100 structural to 3/100 active on the ground. Its standout signals are structural risk (57/100), construction/permit lag (53/100), institutional ownership (19/100). On the quiet end sit institutional ownership (19/100) and mortgage stress (9/100).

The expansion-phase market in 18651 posted values that rose 7.4% over the year, and 48% higher over three years (phase confidence 41/100). Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

Households earn a median $43,639 — below the roughly $78,000 national figure. The demographic-stress sub-score lands at 31/100. The vacancy rate is 19.2% — elevated. Around 11% of adults hold a bachelor's degree or higher. 18.9% of residents fall below the poverty threshold. A median home runs $97,600 here, or 2.1 times local income. The ZIP holds roughly 4,286 housing units. 8,672 residents call 18651 home, typically aged 44. Rent burden reaches 37% of tenant households. 55% of housing is owner-occupied.

Taken together, 18651 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

The 18651 read uses the identical public-record model applied coast to coast, which means its 25/100 score means exactly what it means anywhere else, and 18651 stays directly comparable to neighboring ZIPs and the rest of Luzerne County, Pennsylvania. Every figure is auditable to a public dataset and refreshed on ingest; 18651 shows blanks, not estimates, wherever the record is sparse.

The 25/100 for 18651 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. For an operator, 18651 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.