ZIP 18706 Foreclosure, Tax-Lien & Distress Report

ZIP 18706's composite property-distress score is 25/100 - DLRadar classes that as low for Luzerne County, Pennsylvania. Structural exposure scores 57 and live distress 3 on the 0–100 scale. Environmental exposure also runs high (climate & FEMA risk (91/100), flood (NFIP) exposure (85/100)). Leading the profile are 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 38% higher over three years, at 41/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

66% of housing is owner-occupied. At $57,546, median income runs below typical U.S. levels. Home values center near $138,300, an affordability ratio of 2.1× — accessible. The vacancy rate is 13.3% — elevated. 16,318 residents call 18706 home, typically aged 38. Around 38% of renters are cost-burdened. The ZIP holds roughly 7,761 housing units. DLRadar's demographic-stress index for the area reads 29/100. 21.0% of residents fall below the poverty threshold. Educational attainment sits at 20% bachelor's-or-above.

Net-net, 18706 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Parcel-level detail for 18706 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

Because one deterministic model scores every ZIP, 18706's 25/100 can be lined up against any neighbor in Luzerne County, Pennsylvania or any ZIP coast to coast. Sparse data for 18706 shows as blanks, never estimates, and the score updates on every fresh public filing.

Behind 18706'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. Practically, 18706 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.