ZIP 18851 Foreclosure, Tax-Lien & Distress Report

ZIP code 18851 in Bradford County, Pennsylvania carries a composite property-distress score of 16/100 — a low reading on DLRadar's deterministic public-record index. Its heaviest discrete signals: 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). Latent structural risk is 34/100 while live distress already moving reads 1/100. Environmental exposure also runs high (climate & FEMA risk (74/100)).

Prices here sit in a peak phase: values rose 4.2% over the trailing year, at 28/100 phase confidence. Topping markets hide individual distress behind strong averages.

The poverty rate is 9.5%. Around 32% of renters are cost-burdened. Vacancy runs 46.4%, above the national norm and a classic distress-and-opportunity signal. The tenure split is 89% owner-occupied to 11% rented. Educational attainment sits at 16% bachelor's-or-above. 580 residents call 18851 home, typically aged 53. Households earn a median $74,167 — near the roughly $78,000 national figure. The demographic-stress sub-score lands at 30/100. A median home runs $233,700 here, or 2.9 times local income. The ZIP holds roughly 501 housing units.

Net-net, 18851 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

Big metro or rural, 18851 runs through one identical public-record model, so its 16/100 sits on the same scale as every other ZIP in Bradford County, Pennsylvania and the nation. Every figure is auditable to a public dataset and refreshed on ingest; 18851 shows blanks, not estimates, wherever the record is sparse.

Behind 18851's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. The point of the 18851 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.