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Cambria County, Pennsylvania Court Filings Intelligence

Live court-record analysis of property-related filings (foreclosure, probate, divorce, partition, guardianship). Data sourced direct from Cambria County court dockets. Updated 2026-07-12. See methodology.

Data current as of 2026-07-04 · refreshes nightly #13 of 18 Pennsylvania counties we cover by filing volume
Investor takeaway

About Cambria County

Cambria County is a county in the Commonwealth of Pennsylvania. As of the 2020 census, the population was 133,472. Its county seat is Ebensburg. The county was created on March 26, 1804, from parts of Bedford, Huntingdon, and Somerset counties and later organized in 1807. It was named for the nation of Wales, which in Latin is known as "Cambria". The county is part of the Southwest region of the commonwealth.

Source: Wikipedia

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At a glance

106 verified property-related court filings tracked across 4 months (Apr 2026 to Jul 2026).

32 typical monthly filing volume.

#13 of 18 Pennsylvania counties Keystone covers, ranked by total filing volume.

10% of filings involve owners whose mailing address differs from the property address (11 of 106 filings).

$57,854 median estimated property value across the 20 filings with property-enrichment data (19% coverage).

3.9% Pennsylvania unemployment rate (BLS, as of 2026-05). Filings should be read against the local-economy backdrop.

Filing type breakdown

Filing typeFilingsShare
Partition 54 50.9%
Pre-Foreclosure 34 32.1%
Inherited Property 9 8.5%
Tired Landlord 5 4.7%
Divorce 2 1.9%
Pre-Probate 1 0.9%
Quiet Title 1 0.9%

Each row is a distinct case verified for current owner-of-record before inclusion.

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Monthly filing activity

MonthFilingsvs prior
Apr 2026 22
May 2026 35 +13
Jun 2026 38 +3
Jul 2026 11 -27

Each row reflects new filings entering the dataset that month, after ownership verification. Most recent month may be partial.

Geographic concentration by ZIP

Top 10 ZIPs in Cambria County account for 50.0% of all tracked filings, showing where distressed real estate activity clusters.

ZIPCityFilingsShare
15901 Johnstown 17 16.0%
15905 Ferndale 8 7.5%
15904 Johnstown 8 7.5%
15906 Johnstown 7 6.6%
15931 Ebensburg 3 2.8%
15902 Johnstown 3 2.8%
15955 Adams Township 2 1.9%
15956 Croyle Township 2 1.9%
15909 Johnstown 2 1.9%
15961 Vintondale 1 0.9%

Based on filings with a parseable property address (58% of Cambria County filings).

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Property value distribution

Estimated valueFilingsShare
Under $75k 16 80.0%
$75k - $150k 3 15.0%
$150k - $250k 1 5.0%

Source: third-party property enrichment (19% coverage on Cambria County filings). Median $57,854; mean $64,263.

Day-of-week filing pattern

DayFilingsShare
Sun 0 0.0%
Mon 26 24.5%
Tue 21 19.8%
Wed 16 15.1%
Thu 23 21.7%
Fri 19 17.9%
Sat 1 0.9%

Filings cluster Monday through Friday, with weekend filings essentially absent (court system closed). Computed for 106 filings with a parseable date.

Property characteristics

Parcel-level detail for the 13 Cambria County filings that match county GIS records:

IndicatorValue
Median lot size1.0 acres
Median tenure of distressed owner7.8 years since last sale
Property class: R 13 filings

Source: Cambria County public parcel data via the county's GIS REST API. Court records are public information.

Housing stock + distress signals

Underlying housing stock and distress indicators across all 64494 Cambria County housing units, from US Census ACS 5-year data. National reference values shown for context.

Indicator Cambria County US average
Vacancy rate (incl. seasonal + for-sale)13.6%10.5%
Share of owner-occupied units carrying a mortgage45.2%60.8%
Pre-1940 housing stock29.7%12.3%
Single-family detached share of housing stock74.2%61.2%
Residents age 65 or older23.5%17.3%

Source: US Census Bureau American Community Survey (ACS 2023 5-year). National reference values are ACS 2022 5-year US totals. Why these matter: vacancy rate is the strongest single proxy for distressed inventory; mortgage-carrying share defines the risk pool exposed to rate environment; pre-1940 stock signals deferred maintenance and renovation opportunity; senior population correlates with probate pipeline depth.

Rent benchmark (HUD Fair Market Rent)

HUD sets Fair Market Rents at the metro area level — the same FMRs apply to every county within the metro. Cambria County sits within the Johnstown, PA. Used to set Section 8 voucher amounts; investors use it as a defensible rent-estimate floor for buy-to-rent underwriting.

Unit size Fair market rent / month
Efficiency / studio$840
1-bedroom$846
2-bedroom$1,035
3-bedroom$1,431
4-bedroom$1,484

Source: US Department of Housing and Urban Development, Fair Market Rents (None). 40th-percentile gross rent including utilities. Why this matters: Section-8-eligible tenants are a baseline demand floor for rental inventory at these price points; FMR is the official ceiling for voucher-eligible rents.

New construction (market momentum)

Annual building permits filed in Cambria County from the US Census Building Permits Survey. Trend signal on whether new housing demand is accelerating or contracting in this market.

Indicator Value
Total housing units permitted (2025)61
Year-over-year change (2024 → 2025)-1.6%
Single-family share of permits (2025)100.0%
Single-family units permitted61
Multifamily units permitted (2+ units per building)0

Source: US Census Bureau Building Permits Survey, annual cumulative data. Why this matters: permits trending up signals strong demand for new inventory; permits contracting at the same time foreclosure activity rises indicates broader market softening (deals price differently). Multifamily share shows whether the market is densifying or holding to single-family stock.

Macro context: state home prices and national delinquency

Cambria County filings should be read against the broader housing-market backdrop. Pennsylvania state home-price trend and the national mortgage-delinquency rate are the two macro signals most directly relevant to foreclosure exposure.

IndicatorValuePeriod
Pennsylvania home price index (year-over-year)+5.3%2026-01-01
Pennsylvania home price index (cumulative since 2020)+59.3%2026-01-01
National mortgage delinquency rate (30+ day, single-family)1.89%2026-01-01

Sources: Federal Housing Finance Agency state house price indices (FRED series PASTHPI); Federal Reserve Board, Mortgage Delinquency 30+Day Rate on Single-Family Residential Mortgages (FRED series DRSFRMACBS). Updated quarterly. Free public data.

Local-market benchmark

Demographics of the ZIPs where filings cluster, weighted by filing count and benchmarked against Census ACS 2023 5-year:

IndicatorFiling-weighted average
Median household income (where filings cluster)$41,188
Median home value$51,443
Owner-occupancy rate55.5%
Renter share of households44.5%
Median gross rent$600/mo

Source: U.S. Census Bureau ACS 5-year estimates, weighted by Keystone's filing volume across 3 top ZIPs.

Most active foreclosure plaintiffs in Cambria County

Top mortgage holders and servicers named in foreclosure complaints filed in this county. Lender names are normalized to collapse common legal-suffix variants (e.g. "as Trustee for X Trust", "N.A.").

PlaintiffForeclosure filings
LAKEVIEW LOAN SERVICING LLC 4
FIRST COMMONWEALTH BANK 4
ROCKET MORTGAGE LLC 3
WELLS FARGO BANK N A 2
FIRST NATIONAL BANK OF PENNSYLVANIA 2
NEWREZ LLC 2
TRUIST BANK 2
AMERIHOME MORTGAGE COMPANY LLC 1
NORTHWEST BANK 1
CHAMBERS, HEATHER TOKAR 1

Source: plaintiff names extracted from Cambria County foreclosure complaint text. Court records are public information.

FEMA flood zone exposure

Are distressed properties concentrated in flood-prone areas? By checking each property's coordinates against FEMA's National Flood Hazard Layer, we identify which filings fall in Special Flood Hazard Areas (mandatory flood insurance zones). This analysis covers 89 properties with geocoded locations.

6.7%
in Special Flood Hazard Area
6
properties in high-risk zones
Zone Properties Share
X 82 92.1%
AE 4 4.5%
A 2 2.2%

Source: FEMA National Flood Hazard Layer (NFHL), queried by property coordinates. Zones A/AE/AH/AO/V/VE are Special Flood Hazard Areas (1% annual flood chance, mandatory flood insurance). Zone X is minimal risk. 89 properties checked.

Filing velocity by case type

How each distress category is trending — are foreclosures accelerating while divorces cool, or vice versa? This breakdown is only possible with direct court-record data.

Case type Total Share Trend
Equity Division Sale 50 47.2% --
High Urgency Pre Foreclosure 23 21.7% --
Pre-Foreclosure 11 10.4% --
Inherited Property 8 7.5% --
Tired Landlord 5 4.7% --

Trend = recent 2-3 month volume vs prior 2-3 months (current partial month excluded). Positive = accelerating; negative = cooling.

Lender concentration analysis

Foreclosure activity is spread across many lenders, suggesting diverse distress sources rather than a single institutional wave.

756
HHI score
Competitive
Market type
36.6%
Top 3 share
Lender / Plaintiff Filings Share
LAKEVIEW LOAN SERVICING LLC 4 13.3%
FIRST COMMONWEALTH BANK 4 13.3%
ROCKET MORTGAGE LLC 3 10.0%
WELLS FARGO BANK N A 2 6.7%
FIRST NATIONAL BANK OF PENNSYLVANIA 2 6.7%

HHI (Herfindahl-Hirschman Index): <1500 = competitive, 1500-2500 = moderate concentration, >2500 = highly concentrated. Based on 30 foreclosure filings with identified plaintiffs.

Seasonal filing patterns

Court filings peak in Jun and are lowest in Apr. The 1.7x peak-to-trough ratio suggests strong seasonal patterns — investors who time their outreach around Jun can reach more distressed homeowners.

Month Avg filings Relative
Apr 22
58%
May 35
92%
Jun 38
100%

Average filings per calendar month across all observed years. Relative column shows each month as a percentage of the peak month (Jun), with a 1.7x peak-to-trough ratio.

ZIP code distress hotspots

Distress shows moderate geographic concentration — the top 5 ZIP codes represent 40.4% of filings. 1 of the top hotspots have high-equity properties (>40% equity), signaling potential value-add or wholesale opportunities.

ZIP Area Filings Share High equity Median value
15901 Johnstown 17 16.0% 6% $57,999
15905 Ferndale 8 7.5% 0% $40,342
15904 Johnstown 8 7.5% 0% --
15906 Johnstown 7 6.6% 14% $74,246
15931 Ebensburg 3 2.8% 0% --
15902 Johnstown 3 2.8% 0% --
15955 Adams Township 2 1.9% 0% $45,360
15956 Croyle Township 2 1.9% 0% --
15909 Johnstown 2 1.9% 0% --
15961 Vintondale 1 0.9% 100% $83,800

Top 10 of 18 ZIP codes with filings. High equity = properties with estimated equity above 40% (from third-party enrichment).

Non-resident owner analysis

Most filings (90%) involve owner-occupied properties. The relatively low absentee rate suggests distress is primarily hitting homeowners, not institutional investors.

10.4%
Non-resident owners
Case type Total filings Non-resident %
Equity Division Sale 50 0.0%
High Urgency Pre Foreclosure 23 0.0%
Pre-Foreclosure 11 54.5%
Inherited Property 8 0.0%
Tired Landlord 5 0.0%

Non-resident = owner's mailing address differs from the property address. Could indicate out-of-state landlords, inherited estates, second homes, or in-transition properties.

Distress composition and shifts

Equity Division Sale, Inherited Property share is rising. Tired Landlord share is declining. High diversity in distress types suggests multiple independent factors driving court filings, not a single economic shock.

Case type Recent share Earlier share Shift
Equity Division Sale 47.9% 40.9% +7.0pp (rising)
High Urgency Pre Foreclosure 20.5% 22.7% -2.2pp
Pre-Foreclosure 12.3% 9.1% +3.2pp
Inherited Property 9.6% 4.5% +5.1pp (rising)
Divorce 2.7% 0.0% +2.7pp
Tired Landlord 2.7% 13.6% -10.9pp (falling)
Partition 1.4% 4.5% -3.1pp
Pre-Probate 1.4% 0.0% +1.4pp
Title Clearance Play 1.4% 0.0% +1.4pp
Distressed Heir 0.0% 4.5% -4.5pp

Distress diversity score: 2.21 (Shannon entropy; higher = more diverse distress sources). "Recent" = last 2 complete months; "Earlier" = all prior months.

Case Outcomes & Resolution Timeline

1.1% of tracked cases have reached a resolution. The most common resolution is judgment entered (1 cases, 100% of resolved).

1
Judgment entered
1.1% of 95 tracked
Detailed disposition breakdown
Disposition Count % of Resolved
Final Judgment 1 100.0%

Outcomes by Case Type

Case Type Cases Resolved Resolution Rate Median Days
Equity Division Sale 50 1 2.0%
High Urgency Pre-Foreclosure 27 0 0.0%
Inherited Property 8 0 0.0%
Tired Landlord 5 0 0.0%

Based on 95 court filings with docket event tracking. Based on a moderate sample; directionally reliable. Outcomes derived from docket entries (judgments, dismissals, sheriff sales, and settlement agreements). 94 cases are still active or pending resolution.

Property Value Profile

The median assessed value of properties in court filings is $17,750. Pre-Foreclosure filings involve the highest-value properties (median $60,601), while High Urgency Pre Foreclosure filings trend lower (median $13,920). The largest segment (98.9%) falls in the Under $100K range.

$17,750
Median assessed value
$26,655
Average assessed value
87
Properties with values
Value range Properties Share
Under $100K 86 98.9%
$100K - $250K 1 1.1%
Value breakdown by case type
Case type Median value Avg value Properties
Equity Division Sale $15,260 $16,835 39
High Urgency Pre Foreclosure $13,920 $17,688 19
Pre-Foreclosure $60,601 $75,879 11
Inherited Property $22,120 $20,351 8

Based on county assessor records for 87 properties with court filings (82.1% of total filings). Values are tax-assessed amounts, not market listing prices.

Investment Opportunity Score by ZIP Code

Across 6 ZIP codes with sufficient court filing data, ZIP 15901 (Johnstown) ranks highest with an investment opportunity score of 75/100, driven by high filing volume (17 cases). 3 of 6 scored ZIPs are above the average score of 42.

75/100
Highest ZIP score
6
ZIPs scored
42
Average score
Rank ZIP Code Area Score Filings Avg Value Absentee %
#1 15901 Johnstown
75
17 0%
#2 15905 Johnstown
48
8 0%
#3 15904 Richland Township
42
8 0%
#4 15906 Johnstown
35
7 0%
#5 15931 Ebensburg
25
3 0%
#6 15902 Johnstown
25
3 0%
How the score is calculated

The Investment Opportunity Score combines four dimensions from verified court filing data:

  • Filing volume (35%): More filings = more potential deals in the area
  • Property value (25%): Higher assessed values = larger potential deal sizes
  • Absentee owner rate (25%): Absentee owners are more likely to sell at a discount
  • Case type diversity (15%): Multiple case types = broader opportunity set

Each dimension is normalized to a 0–100 scale across all scored ZIPs, then weighted and combined. A score of 100 means that ZIP ranks highest across all dimensions. Scores should be compared within the same county or state, not across different markets.

Based on 106 court filings across 6 ZIP codes. ZIPs with fewer than 3 filings are excluded. Property values from county assessor records. Absentee status from property ownership verification.

Distress Capital Analysis

$2,318,985 in assessed property value is currently tied up in 87 court-filed properties. Pre-Foreclosure filings represent the largest capital pool ($834,674 across 11 properties).

$2M
Total Value at Risk
87
Properties Valued
$17,750
Median Value

Capital at Risk by Filing Type

Filing Type Total Value Properties Avg Value High Equity %
Pre-Foreclosure
$834,674
11 $75,879 80.0%
Equity Division Sale
$656,580
39 $16,835 --
High Urgency Pre Foreclosure
$336,080
19 $17,688 --
Inherited Property
$162,810
8 $20,351 --
Partition
$126,431
4 $31,608 --
Tired Landlord
$62,890
4 $15,722 --
High-Equity Distressed Properties
4 properties with 20%+ equity totaling $296,719 in assessed value (4.6% of all valued filings). Average property value: $74,180. These represent the highest-value investor targets — owners with real money at stake who are most likely to negotiate.

Based on 87 properties with assessor valuations (82.1% of 106 total filings). Values are county assessor estimates. Equity calculated from estimated value vs outstanding mortgage balance where available.

Property Type Distribution

93.0% of distressed properties are classified as Residential, followed by Agricultural (7.0%).

Residential
Most common (93.0%)
86
Properties classified
2
Property categories
Property type Count Share Distribution
Residential 80 93.0%
Agricultural 6 7.0%
Property type by case type
Case type Dominant property type Share Properties
Equity Division Sale Residential 86.0% 43
High Urgency Pre Foreclosure Residential 100.0% 28
Inherited Property Residential 100.0% 9

Property classifications from county assessor records for 86 properties (81.1% of total filings). Categories normalized from assessor codes.

Case Aging & Stall Analysis

0 cases (0.0%) have been active for over a year without resolution. 31 filings in the last <30 days represent fresh opportunities.

0
Cases stalled 1yr+
0.0%
of all filings
106
Total tracked
Age Total Resolved Still active Resolution rate
<30 days 31 1 30 3.2%
30-90 days 75 0 75 0.0%
Resolution speed by case type
Case type Total Resolved Rate Median days
Equity Division Sale 52 1 1.9%
High Urgency Pre Foreclosure 34 0 0.0%

Case aging computed from filing date to present for unresolved cases. Resolution classified from court docket entries (judgments, settlements, dismissals, sheriff sales). Cases with a resolution event are removed from the stall count.

Property Value Distribution

The median property value in distressed filings is $11,150, with the largest concentration (100.0%) in the Under $50K range. Equity Division Sale filings have the highest median value ($13,700) while High Urgency Pre Foreclosure filings are lowest ($11,300).

$11,150
Median value
$14,237
Average value
102
Properties valued
Price range Count Share Distribution
Under $50K 102 100.0%
Value by case type
Case type Median value Average value Properties
Equity Division Sale $13,700 $14,402 49
High Urgency Pre Foreclosure $11,300 $14,258 33

Assessed property values from county assessor records for 102 properties (96.2% of total filings). Values reflect tax-assessed amounts, not market price.

Ownership Duration Before Filing

The median ownership duration before a court filing is 7.7 years, with 43.2% of owners holding the property 10+ years (a strong equity signal for investors). High Urgency Pre Foreclosure cases show the longest tenure (8.8 yr median) vs. Equity Division Sale (4.9 yr).

7.7 yr
Median tenure
10.8 yr
Average tenure
95
Properties tracked
Ownership period Count Share Distribution
Under 2 years 15 15.8%
2–5 years 24 25.3%
5–10 years 15 15.8%
10–20 years 26 27.4%
20+ years 15 15.8%
Tenure by case type
Case type Median tenure Average tenure Properties
Equity Division Sale 4.9 yr 8.2 yr 46
High Urgency Pre Foreclosure 8.8 yr 11.4 yr 32

Duration calculated from last recorded property sale to court filing date for 95 properties (89.6% of total filings). Longer ownership often correlates with higher equity.

Land vs improvement value composition

Across 85 properties with assessed value breakdowns, the median land share is 10.9% (median land value $1,320, median improvement value $10,940). 3 properties (3.5%) are land-dominant (50%+ land value) — potential teardown or vacant-lot targets. High Urgency Pre Foreclosure cases skew most land-heavy (median 12.8%) while Equity Division Sale skews most improvement-heavy (10.6%).

10.9%
Median land share
$1,320
Median land value
$10,940
Median improvement value
3.5%
Land-dominant (50%+)

Land share distribution

Land share bracket Properties % of total
Under 10% 40 47.1%
10–20% 33 38.8%
20–30% 8 9.4%
30–50% 1 1.2%
50–70% 2 2.4%
Over 70% 1 1.2%

Land share by case type

Case type Filings Median land %
Equity Division Sale 40 10.6%
High Urgency Pre Foreclosure 29 12.8%

Analysis of 85 properties (80.2% of filings) with assessed land and improvement value breakdowns.

Prior sale value trajectory

Across 96 properties with purchase and assessed value data, the median value change since purchase is -73.0%. 66 properties (68.8%) are underwater (current assessed value below purchase price). Short-hold owners (<5 yr) show a median -78.7% value change vs -65.2% for long-hold (10+ yr). High Urgency Pre Foreclosure cases have the highest underwater rate (75.0%) while Equity Division Sale has the lowest (68.1%).

-73.0%
Median value change
$38,500
Median purchase price
$11,475
Median assessed value
68.8%
Underwater properties

Value change distribution

Value change bracket Properties % of total
50%+ loss 60 62.5%
20–50% loss 3 3.1%
0–20% loss 3 3.1%
0–20% gain 2 2.1%
50–100% gain 2 2.1%
100%+ gain 26 27.1%

Holding period vs value change

-78.7%
Short hold (<5 yr) median change
(39 properties)
-65.2%
Long hold (10+ yr) median change
(41 properties)

Value trajectory by case type

Case type Filings Median change Underwater
Equity Division Sale 47 -67.8% 68.1%
High Urgency Pre Foreclosure 32 -77.8% 75.0%

Analysis of 96 properties (90.6% of filings) with both prior sale price and current assessed value data.

Why these filings are invisible on most public foreclosure sites

The largest public foreclosure-aggregator interfaces surface only post-auction bank-owned properties in Pennsylvania. Pre-foreclosure court filings are not visible to their non-paying users. Keystone tracks the court filing the day it hits the docket, weeks or months before any property reaches the auction stage those aggregators surface.

Methodology and full audit: Court-vs-aggregator coverage gap report.

Methodology and data sources

Top cities for filings within Cambria County

Where filings concentrate inside Cambria County, by parsed property city or township.

City / Township Filings Share (of city-parsed filings)
Johnstown4268.9%
Ebensburg34.9%
Richland Township11.6%
Vintondale11.6%
Beaverdale11.6%

Share is computed against filings with a parsed property city (not against total Cambria County filings — addresses missing the city portion are excluded from the denominator). Top 5 shown; smaller cities aggregate into the long tail.

Related Pennsylvania guides

Pennsylvania foreclosure process How to find leads in Pennsylvania Top foreclosure counties in Pennsylvania Pennsylvania statewide analysis

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Cite: Keystone Court Data, "Cambria County Pennsylvania Court Filings Intelligence," 2026-07-12, https://keystonecourtdata.com/reports/cambria-pa-court-filings-intelligence · Download data (CSV)