ZIP 19538 Foreclosure, Tax-Lien & Distress Report

In Berks County, Pennsylvania, ZIP 19538 scores 20 of 100 for composite distress, a low level on DLRadar's public-record index. Structural exposure scores 45 and live distress 2 on the 0–100 scale. Climate and flood risk are elevated too — climate & FEMA risk (92/100), flood (NFIP) exposure (91/100). Leading the profile are structural risk (45/100), institutional ownership (20/100), mortgage stress (8/100). institutional ownership (20/100) and mortgage stress (8/100) stay muted.

The market reads peak — home values rose 4.4% year on year (phase confidence 28/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

The vacancy rate is 0.0%. Households earn a median $49,141 — below the roughly $78,000 national figure. There are about 45 housing units across 19538. Owners hold 88% of homes, renters 12%. DLRadar's demographic-stress index for the area reads 18/100. Around 0% of renters are cost-burdened. The typical home is worth about $195,100 (3.9× income, relatively affordable). 0.0% of residents fall below the poverty threshold. Population is roughly 89 with a median age of 49. About 44% have a four-year degree.

On balance 19538 is mixed, rewarding parcel-by-parcel screening over broad assumptions. While 19538 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

Because one deterministic model scores every ZIP, 19538's 20/100 can be lined up against any neighbor in Berks County, Pennsylvania or any ZIP coast to coast. Every figure is auditable to a public dataset and refreshed on ingest; 19538 shows blanks, not estimates, wherever the record is sparse.

19538's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. The point of the 19538 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.