ZIP 18845 Foreclosure, Tax-Lien & Distress Report

On DLRadar's 0-100 public-record scale, ZIP 18845 in Bradford County, Pennsylvania comes in at 16, a low composite-distress reading. The split runs 34/100 structural to 1/100 active on the ground. It additionally carries heavy environmental risk: climate & FEMA risk (74/100). What sets it apart are the readings on construction/permit lag (44/100), structural risk (34/100), mortgage stress (4/100). On the quiet end sit mortgage stress (4/100) and institutional ownership (3/100).

Prices here sit in a peak phase: values rose 4.2% over the trailing year, at 28/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Population is roughly 528 with a median age of 51. Home values center near $203,700, an affordability ratio of 3.6× — accessible. The ZIP holds roughly 201 housing units. The vacancy rate is 20.9% — elevated. Around 50% of renters are cost-burdened. Median household income is $55,250, below the U.S. median near $78,000. Around 12% of adults hold a bachelor's degree or higher. DLRadar's demographic-stress index for the area reads 38/100. The tenure split is 87% owner-occupied to 13% rented. 33.0% of residents fall below the poverty threshold.

Taken together, 18845 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. There is no property file for 18845 at the moment; the composite and its components are still built from verifiable public records.

The number is not local guesswork: 18845's 16/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. Every figure is auditable to a public dataset and refreshed on ingest; 18845 shows blanks, not estimates, wherever the record is sparse.

The 16/100 figure for 18845 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. In workflow terms, 18845 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.