ZIP 19504 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 19504 (Berks County, Pennsylvania) at a low 23/100 for overall property distress. Its heaviest discrete signals: structural risk (52/100), construction/permit lag (25/100), institutional ownership (20/100). institutional ownership (20/100) and mortgage stress (8/100) stay muted. Climate and flood risk are elevated too — climate & FEMA risk (94/100), flood (NFIP) exposure (88/100). Structurally it carries 52/100, against 2/100 of stress already in motion.

The peak-phase market in 19504 posted values that rose 4.4% over the year, and 30% higher over three years (phase confidence 28/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Median household income is $100,882, above the U.S. median near $78,000. 94% of housing is owner-occupied. The poverty rate is 1.3% — low. The typical home is worth about $388,300 (3.4× income, relatively affordable). Rent burden reaches 31% of tenant households. About 5,327 people live here, median age 53. Around 34% of adults hold a bachelor's degree or higher. The demographic-stress sub-score lands at 24/100. The vacancy rate is 7.0%. The ZIP holds roughly 2,216 housing units.

Overall 19504 looks resilient on the surface, so the edge is isolating individual stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

The 19504 read uses the identical public-record model applied coast to coast, which means its 23/100 score means exactly what it means anywhere else, and 19504 stays directly comparable to neighboring ZIPs and the rest of Berks County, Pennsylvania. Nothing here is interpolated — where a source is thin for 19504, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

19504's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. Practically, 19504 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.