ZIP 18702 Foreclosure, Tax-Lien & Distress Report

On DLRadar's 0-100 public-record scale, ZIP 18702 in Luzerne County, Pennsylvania comes in at 25, a low composite-distress reading. Structural risk reads 57/100 against active distress of 3/100. The most distinctive pressure shows up in 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. Environmental exposure also runs high (climate & FEMA risk (91/100), flood (NFIP) exposure (85/100)).

The market reads expansion — home values rose 7.4% year on year, and 24% higher over three years (phase confidence 41/100). Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

Home values center near $131,900, an affordability ratio of 2.1× — accessible. Around 40% of renters are cost-burdened. Owners hold 57% of homes, renters 43%. Educational attainment sits at 23% bachelor's-or-above. There are about 19,663 housing units across 18702. Households earn a median $54,892 — below the roughly $78,000 national figure. Population is roughly 42,120 with a median age of 39. On demographic stress specifically, 18702 scores 30/100. Vacancy runs 13.3%, above the national norm and a classic distress-and-opportunity signal. The poverty rate is 18.3% — high, a tax-stress and distress correlate.

On the whole, 18702 leans distressed, with opportunity clustered in specific stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

Whether 18702 runs hot or quiet, its 25/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 18702 can be compared directly against any other ZIP in Luzerne County, Pennsylvania or nationwide. The score is rebuilt from public data as it updates, so 18702 reflects the current record instead of a stale or modeled snapshot.

The 25/100 figure for 18702 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. Practically, 18702 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.