ZIP 19604 Foreclosure, Tax-Lien & Distress Report

ZIP code 19604 in Berks County, Pennsylvania carries a composite property-distress score of 20/100 — a low reading on DLRadar's deterministic distress index. The split runs 45/100 structural to 2/100 active on the ground. What sets it apart are the readings on structural risk (45/100), institutional ownership (20/100), mortgage stress (8/100). By contrast, institutional ownership (20/100) and mortgage stress (8/100) register low. Environmental exposure also runs high (climate & FEMA risk (92/100), flood (NFIP) exposure (91/100)).

The peak-phase market in 19604 posted values that rose 4.4% over the year, and 27% higher over three years (phase confidence 28/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

49% of housing is owner-occupied. A median home runs $119,000 here, or 2.1 times local income. Households earn a median $52,863 — below the roughly $78,000 national figure. DLRadar's demographic-stress index for the area reads 33/100. The ZIP holds roughly 10,000 housing units. Educational attainment sits at 10% bachelor's-or-above. Vacancy runs 6.5%. Roughly 17.7% live below the poverty line, elevated and often tied to deferred-maintenance inventory. Population is roughly 29,408 with a median age of 30. Around 47% of renters are cost-burdened.

Net-net, 19604 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. There is no property file for 19604 at the moment; the composite and its components are still built from verifiable records.

The 19604 read uses the identical scoring model applied coast to coast, which means its 20/100 score means exactly what it means anywhere else, and 19604 stays directly comparable to neighboring ZIPs and the rest of Berks County, Pennsylvania. Sparse data for 19604 shows as blanks, never estimates, and the score updates on every fresh public filing.

Behind 19604'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. In workflow terms, 19604 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.