ZIP 18707 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 18707 (Luzerne County, Pennsylvania) lands at 25/100 — low on DLRadar's public-record scoring. Its standout signals are 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. Latent structural risk is 57/100 while live distress already moving reads 3/100. Environmental exposure also runs high (climate & FEMA risk (91/100), flood (NFIP) exposure (85/100)).

Prices here sit in a expansion phase: values rose 7.4% over the trailing year, and 19% higher over three years (phase confidence 41/100). Even climbing markets leave specific parcels in distress; the scoring isolates them.

The ZIP holds roughly 6,804 housing units. DLRadar's demographic-stress index for the area reads 19/100. Rent burden reaches 10% of tenant households. The vacancy rate is 5.2%. The poverty rate is 6.7% — low. About 44% have a four-year degree. Population is roughly 16,418 with a median age of 45. Owners hold 90% of homes, renters 10%. Median household income is $105,281, above the U.S. median near $78,000. Home values center near $301,200, an affordability ratio of 2.6× — accessible.

On balance 18707 is mixed, rewarding parcel-by-parcel screening over broad assumptions. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

The 18707 read uses the identical public-record model applied coast to coast, which means its 25/100 score means exactly what it means anywhere else, and 18707 stays directly comparable to neighboring ZIPs and the rest of Luzerne County, Pennsylvania. Every figure is auditable to a public dataset and refreshed on ingest; 18707 shows blanks, not estimates, wherever the record is sparse.

The 25/100 figure for 18707 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 18707 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.