ZIP 18831 Foreclosure, Tax-Lien & Distress Report

Bradford County, Pennsylvania's ZIP 18831 registers 16/100 composite distress, which DLRadar reads as low. It additionally carries heavy environmental risk: climate & FEMA risk (74/100). Structural risk reads 34/100 against active distress of 1/100. 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.

Prices here sit in a peak phase: values rose 4.2% over the trailing year (phase confidence 28/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Home values center near $216,900, an affordability ratio of 2.4× — accessible. Roughly 3.2% live below the poverty line, a low share typical of higher-equity areas. Median household income is $77,411, near the U.S. median near $78,000. About 17% have a four-year degree. Around 5% of renters are cost-burdened. About 1,065 people live here, median age 54. DLRadar's demographic-stress index for the area reads 21/100. There are about 476 housing units across 18831. 86% of housing is owner-occupied. Vacancy runs 13.8%, above the national norm and a classic distress-and-opportunity signal.

Net-net, 18831 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. There is no property file for 18831 at the moment; the composite and its components are still built from verifiable public records.

Whether 18831 runs hot or quiet, its 16/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 18831 can be compared directly against any other ZIP in Bradford County, Pennsylvania or nationwide. The score is rebuilt from public data as it updates, so 18831 reflects the current record instead of a stale or modeled snapshot.

18831's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. The point of the 18831 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.