ZIP 18704 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 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 (85/100). Property-level stress concentrates in 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).

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 to public records.

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.