ZIP 18705 Foreclosure, Tax-Lien & Distress Report

ZIP code 18705 in Luzerne County, Pennsylvania carries a composite property-distress score of 25/100 — a low reading on DLRadar's deterministic public-record index. The pressure is most legible 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). Climate and flood risk are elevated too — climate & FEMA risk (91/100), flood (NFIP) exposure (85/100). Structural exposure scores 57 and live distress 3 on the 0–100 scale.

The market reads expansion — home values rose 7.4% year on year, and 23% higher over three years (phase confidence 41/100). Even climbing markets leave specific parcels in distress; the scoring isolates them.

Median household income is $61,293, below the U.S. median near $78,000. 15,595 residents call 18705 home, typically aged 39. The tenure split is 64% owner-occupied to 36% rented. The ZIP holds roughly 7,096 housing units. 18.8% of residents fall below the poverty threshold. Vacancy runs 14.2%, above the national norm and a classic distress-and-opportunity signal. About 23% have a four-year degree. The demographic-stress sub-score lands at 28/100. Around 34% of renters are cost-burdened. A median home runs $140,700 here, or 2.0 times local income.

On the whole, 18705 leans distressed, with opportunity clustered in specific stressed parcels. 18705 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

Whether 18705 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 18705 can be compared directly against any other ZIP in Luzerne County, Pennsylvania or nationwide. Nothing here is interpolated — where a source is thin for 18705, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

The 25/100 figure for 18705 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. Treat 18705 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.