ZIP 19312 Foreclosure, Tax-Lien & Distress Report

In Chester County, Pennsylvania, ZIP 19312 scores 27 of 100 for composite distress, a low level on DLRadar's public-record index. It additionally carries heavy environmental risk: climate & FEMA risk (93/100), flood (NFIP) exposure (85/100). The most distinctive pressure shows up in construction/permit lag (73/100), structural risk (63/100), institutional ownership (19/100). On the quiet end sit institutional ownership (19/100) and mortgage stress (7/100). The split runs 63/100 structural to 2/100 active on the ground.

Prices here sit in a peak phase: values rose 4.2% over the trailing year, and 23% higher over three years (phase confidence 28/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

11,901 residents call 19312 home, typically aged 46. A median home runs $855,000 here, or 4.0 times local income. Owners hold 85% of homes, renters 15%. At $199,107, median income runs above typical U.S. levels. About 76% have a four-year degree. Vacancy runs 3.0%. The ZIP holds roughly 4,737 housing units. Rent burden reaches 43% of tenant households. The demographic-stress sub-score lands at 25/100. 7.6% of residents fall below the poverty threshold.

Net-net, 19312 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. There is no property file for 19312 at the moment; the composite and its components are still built from verifiable public records.

The 19312 read uses the identical public-record model applied coast to coast, which means its 27/100 score means exactly what it means anywhere else, and 19312 stays directly comparable to neighboring ZIPs and the rest of Chester County, Pennsylvania. Every figure is auditable to a public dataset and refreshed on ingest; 19312 shows blanks, not estimates, wherever the record is sparse.

The 27/100 figure for 19312 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, 19312 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.