ZIP 18814 Foreclosure, Tax-Lien & Distress Report

In Bradford County, Pennsylvania, ZIP 18814 scores 16 of 100 for composite distress, a low level on DLRadar's public-record index. The split runs 34/100 structural to 1/100 active on the ground. It additionally carries heavy environmental risk: climate & FEMA risk (74/100). The most distinctive pressure shows up in construction/permit lag (44/100), structural risk (34/100), mortgage stress (4/100). mortgage stress (4/100) and institutional ownership (3/100) stay muted.

The market reads peak — home values rose 4.2% year on year, at 28/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Home values center near $228,600, an affordability ratio of 5.2×. Educational attainment sits at 13% bachelor's-or-above. The tenure split is 79% owner-occupied to 21% rented. Median household income is $42,188, below the U.S. median near $78,000. The ZIP holds roughly 84 housing units. On demographic stress specifically, 18814 scores 34/100. The vacancy rate is 3.9%. Rent burden reaches 31% of tenant households. About 163 people live here, median age 43. The poverty rate is 14.1%.

Net-net, 18814 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

Because one deterministic model scores every ZIP, 18814's 16/100 can be lined up against any neighbor in Bradford County, Pennsylvania or any ZIP coast to coast. Where the public record is thin for 18814, the field stays empty rather than modeled, and fills in as new documents post.

The 16/100 figure for 18814 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. For an operator, 18814 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.