ZIP 18655 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 18655 (Luzerne County, Pennsylvania) lands at 24/100 — low on DLRadar's distress scoring. Environmental exposure also runs high (climate & FEMA risk (88/100), flood (NFIP) exposure (87/100)). Structural exposure scores 55 and live distress 3 on the 0–100 scale. Property-level stress concentrates in structural risk (55/100), construction/permit lag (48/100), institutional ownership (20/100). On the quiet end sit institutional ownership (20/100) and mortgage stress (9/100).

Prices here sit in a expansion phase: values rose 7.1% over the trailing year, and 20% higher over three years (phase confidence 38/100). Even climbing markets leave specific parcels in distress; the scoring isolates them.

Vacancy runs 17.2%, above the national norm and a classic distress-and-opportunity signal. About 17% have a four-year degree. There are about 2,976 housing units across 18655. Rent burden reaches 35% of tenant households. The poverty rate is 7.4% — low. Population is roughly 5,789 with a median age of 48. Median household income is $68,362, below the U.S. median near $78,000. 84% of housing is owner-occupied. The demographic-stress sub-score lands at 26/100. A median home runs $190,700 here, or 2.4 times local income.

On the whole, 18655 leans distressed, with opportunity clustered in specific stressed parcels. No parcel file is published for 18655 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

Because one deterministic model scores every ZIP, 18655's 24/100 can be lined up against any neighbor in Luzerne County, Pennsylvania or any ZIP coast to coast. Where the record is thin for 18655, the field stays empty rather than modeled, and fills in as new documents post.

Behind 18655's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. In workflow terms, 18655 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.