ZIP 18854 Foreclosure, Tax-Lien & Distress Report

ZIP code 18854 in Bradford County, Pennsylvania carries a composite property-distress score of 16/100 — a low reading on DLRadar's deterministic public-record index. 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). By contrast, mortgage stress (4/100) and institutional ownership (3/100) register low. On the structural side it scores 34/100, with 1/100 of stress already active.

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

A median home runs $207,300 here, or 2.3 times local income. Roughly 16.8% live below the poverty line, elevated and often tied to deferred-maintenance inventory. The vacancy rate is 5.4%. The demographic-stress sub-score lands at 30/100. The tenure split is 82% owner-occupied to 18% rented. The ZIP holds roughly 679 housing units. 1,595 residents call 18854 home, typically aged 49. At $81,827, median income runs near typical U.S. levels. Around 57% of renters are cost-burdened. Around 17% of adults hold a bachelor's degree or higher.

Overall 18854 looks resilient on the surface, so the edge is isolating individual stressed parcels. Parcel-level detail for 18854 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

The number is not local guesswork: 18854's 16/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. The score is rebuilt from public data as it updates, so 18854 reflects the current record instead of a stale or modeled snapshot.

Each component behind 18854 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 16/100 roll-up. The point of the 18854 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.