ZIP 18704 Foreclosure, Tax-Lien & Distress Report
Luzerne County, Pennsylvania · Affordable market
Scored on a fixed 0-100 scale, 18704 (Luzerne County, Pennsylvania) returns a low composite of 25/100. Structural risk reads 57/100 against active distress of 3/100. Climate and flood risk are elevated too — climate & FEMA risk (91/100), flood (NFIP) exposure (88/100). Property-level stress concentrates in structural risk (57/100), construction/permit lag (49/100), 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 7.4% over the trailing year, and 24% higher over three years, at 41/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.
61% of housing is owner-occupied. The typical home is worth about $162,000 (2.5× income, relatively affordable). Vacancy runs 8.6%. Median household income is $62,907, below the U.S. median near $78,000. Population is roughly 30,997 with a median age of 41. On demographic stress specifically, 18704 scores 28/100. There are about 14,739 housing units across 18704. Rent burden reaches 34% of tenant households. Educational attainment sits at 29% bachelor's-or-above. 15.8% of residents fall below the poverty threshold.
Net-net, 18704 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. Parcel-level detail for 18704 is not published yet -- the ZIP-level readings above remain fully sourced.
Because one deterministic model scores every ZIP, 18704's 25/100 can be lined up against any neighbor in Luzerne County, Pennsylvania or any ZIP coast to coast. 18704 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.
18704's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. Practically, 18704 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.
Signal-by-signal read on 18704
Delinquent tax, institutional holdings, insurance strain, flood/NFIP exposure, build-out lag, price dislocation and auction pace — along with the 0 individual distressed properties are broken out by owner, address, APN, per-property score and exit read inside DLRadar.
Snapshot: 18704 by the numbers
The live 18704 panel — distress score, market phase, housing and bank pressure — as attached to every individual property.
Luzerne County ZIPs near 18704
Nearest ZIP codes to 18704
By straight-line distance between ZIP centers — the surrounding market, whichever county or state line it crosses.
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Deterministic. Every signal traces to a public dataset · methodology