ZIP 18840 Foreclosure, Tax-Lien & Distress Report

ZIP 18840's composite property-distress score is 16/100 - DLRadar classes that as low for Bradford County, Pennsylvania. The pressure is most legible in construction/permit lag (47/100), structural risk (35/100), mortgage stress (4/100). By contrast, mortgage stress (4/100) and institutional ownership (3/100) register low. Environmental exposure also runs high (climate & FEMA risk (74/100)). Structural exposure scores 35 and live distress 1 on the 0–100 scale.

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

The tenure split is 68% owner-occupied to 32% rented. There are about 5,267 housing units across 18840. Median household income is $59,836, below the U.S. median near $78,000. About 36% have a four-year degree. Vacancy runs 9.1%. On demographic stress specifically, 18840 scores 27/100. The poverty rate is 14.3%. Home values center near $171,300, an affordability ratio of 2.9× — accessible. Rent burden reaches 28% of tenant households. 11,249 residents call 18840 home, typically aged 38.

Overall, 18840 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. Parcel-level detail for 18840 is not published yet -- the ZIP-level readings above remain fully sourced.

No ZIP is too small to score: 18840 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 16/100 composite is a like-for-like number rather than an isolated estimate. 18840 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

The 16/100 figure for 18840 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 18840 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.