Clearfield County, Pennsylvania Court Filings Intelligence

• Filing volume accelerating (+10.6%) — last 2 complete months (241 filings) vs prior 2 complete months (218 filings). Excludes the current calendar month (in progress).
• 45.7% off-site owners — share of filings where the owner's mailing address differs from the property address. Could be out-of-state landlords, inherited estates, second homes, or in-transition properties (we don't distinguish; the underlying signal is "not living there").
• Max gross cap rate 9.1% at HUD Fair Market Rent — $11,700/year (2BR FMR × 12) on the $128,225 median estimated market value. Section-8-eligible rent ceiling; real-market rent typically exceeds FMR; excludes operating costs (taxes, insurance, maintenance, vacancy, management).
• 12.2% of filings are Civil: Contractdebt Collection: Other — the dominant lead category in Clearfield County during the observed window.

About Clearfield County

Clearfield County is a county in the Commonwealth of Pennsylvania. As of the 2020 census, the population was 80,562. The county seat is Clearfield, and the largest city is DuBois. The county was created in 1804 and later organized in 1822.

Source: Wikipedia

At a glance

Filing type breakdown

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

Monthly filing activity

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 Clearfield County account for 4.2% of all tracked filings, showing where distressed real estate activity clusters.

Based on filings with a parseable property address (6% of Clearfield County filings).

Property value distribution

Source: third-party property enrichment (10% coverage on Clearfield County filings). Median $128,225; mean $180,234.

Day-of-week filing pattern

Filings cluster Monday through Friday, with weekend filings essentially absent (court system closed). Computed for 7508 filings with a parseable date.

Building characteristics

Per-property details from third-party property enrichment, aggregated across the 336 filings with characteristic data:

Housing stock + distress signals

Underlying housing stock and distress indicators across all 38160 Clearfield County housing units, from US Census ACS 5-year data. National reference values shown for context.

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. Clearfield County sits within the Clearfield County, PA. Used to set Section 8 voucher amounts; investors use it as a defensible rent-estimate floor for buy-to-rent underwriting.

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 Clearfield County from the US Census Building Permits Survey. Trend signal on whether new housing demand is accelerating or contracting in this market.

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

Clearfield 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.

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:

Source: U.S. Census Bureau ACS 5-year estimates, weighted by Keystone's filing volume across 8 top ZIPs.

Most active foreclosure plaintiffs in Clearfield 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.").

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

Post-filing sale outcomes in Clearfield County

What happens to distressed properties after a court filing? By cross-referencing each filing's property with county assessor and deed-transfer records, we track which properties sold, how long the process took, and at what price. This analysis covers 1087 filings (14.5% of all 7504 filings) where parcel-level tracking is available.

Sale rates by filing type

Not all distress types lead to property sales at the same rate. Foreclosures tend to result in eventual sales more often than probate or divorce filings.

How sales relate to the filing

Not every post-filing sale is caused by the court case. We classify each sale's relationship to the original filing so investors can focus on the highest-signal outcomes. 91.9% of confirmed sales were directly driven by the filing.

Source: county assessor and deed-transfer records cross-referenced with court filings by parcel ID. Sale outcomes tracked for 1087 of 7504 filings (14.5% parcel coverage). Prices based on 37 sales with recorded sale amounts.

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 399 properties with geocoded locations.

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. 399 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.

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.

HHI (Herfindahl-Hirschman Index): <1500 = competitive, 1500-2500 = moderate concentration, >2500 = highly concentrated. Based on 276 foreclosure filings with identified plaintiffs.

Seasonal filing patterns

Court filings peak in Mar and are lowest in May. Filing volume is relatively steady year-round.

Average filings per calendar month across all observed years. Relative column shows each month as a percentage of the peak month (Mar), with a 1.3x peak-to-trough ratio.

ZIP code distress hotspots

Distress is geographically dispersed across 54 ZIP codes, with no single area dominating.

Top 10 of 54 ZIP codes with filings.

Non-resident owner analysis

Most filings (99%) involve owner-occupied properties. The relatively low absentee rate suggests distress is primarily hitting homeowners, not institutional investors.

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

Commonwealth Lien share is rising. New Case Filed. share is declining. High diversity in distress types suggests multiple independent factors driving court filings, not a single economic shock.

Distress diversity score: 4.05 (Shannon entropy; higher = more diverse distress sources). "Recent" = last 2 complete months; "Earlier" = all prior months.

Case Outcomes & Resolution Timeline

10.7% of tracked cases have reached a resolution, with a median time of 316 days from filing to resolution. The most common resolution is judgment entered (148 cases, 73% of resolved).

Outcomes by Case Type

Based on 1892 court filings with docket event tracking. Based on a robust sample; percentages are reliable. Outcomes derived from docket entries (judgments, dismissals, sheriff sales, and settlement agreements). 1689 cases are still active or pending resolution.

Property Value Profile

The median assessed value of properties in court filings is $96,799. Commonwealth Lien filings involve the highest-value properties (median $203,450), while Wml/Stipluation/Waiver filings trend lower (median $16,151). The largest segment (51.8%) falls in the Under $100K range.

Based on county assessor records for 1008 properties with court filings (13.4% of total filings). Values are tax-assessed amounts, not market listing prices.

Investment Opportunity Score by ZIP Code

Across 32 ZIP codes with sufficient court filing data, ZIP 16830 (Clearfield) ranks highest with an investment opportunity score of 73/100, driven by high filing volume (83 cases). 8 of 32 scored ZIPs are above the average score of 33.

Based on 7508 court filings across 32 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

$156,748,765 in assessed property value is currently tied up in 1008 court-filed properties. 86% of properties with equity data carry 20%+ equity, signaling owners with real financial stakes in resolution. Commonwealth Lien filings represent the largest capital pool ($45,587,014 across 117 properties).

Equity Position of Distressed Properties

Capital at Risk by Filing Type

Based on 1008 properties with assessor valuations (13.4% of 7508 total filings). Values are county assessor estimates. Equity calculated from estimated value vs outstanding mortgage balance where available.

Property Type Distribution

100.0% of distressed properties are classified as Commercial.

Property classifications from county assessor records for 18 properties (0.9% of total filings). Categories normalized from assessor codes.

Case Aging & Stall Analysis

380 cases (19.7%) have been active for over a year without resolution. 87 filings in the last <30 days represent fresh opportunities.

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 Age & Distress Profile

354 filings (18.3% of scope) have year-built data. Pre-1960 properties are most common (66%). Newer properties (2000+) average $15,526 — 2.1x the value of Pre-1960 stock ($7,470). 1960–1979 cases resolve fastest (median 224d) vs 2000+ (551d).

Value trend: 2000+ properties average $15,526 — 2.08x the value of Pre-1960 stock ($7,470).

Construction year sourced from county tax assessor records. Value is assessed value from the most recent available tax assessment. Resolution timing based on court docket events.

Municipality filing concentration in Clearfield County

Court filings in Clearfield County span 61 municipalities. Dubois leads with 86 filings (20.1% of total), predominantly Pre-Foreclosure (86.0%). Filings show moderate geographic spread — the top 3 municipalities account for 47% of filings.

Top 15 of 61 municipalities with court filings. Data from 428 filings (22% of total). Municipality names from county assessor records.

Quarterly Filing Volume Trends

Filing trends across 18 comparable quarters show 1,836 tracked filings in Clearfield County. Pre-Foreclosure shows the largest composition shift, declining share from 83.0% to 10.0%.

Composition shift: Pre-Foreclosure filings are declining share, moving from 83.0% to 10.0% of total filings (-73.0 percentage points).

Only comparable quarters shown (collection ramp-up periods excluded). Filing dates from verified court records. Current partial quarter excluded from trend calculations.

Property Value Distribution

The median property value in distressed filings is $15,275, with the largest concentration (90.9%) in the Under $50K range. Commonwealth Lien filings have the highest median value ($38,200) while Pre-Foreclosure filings are lowest ($2,250).

Assessed property values from county assessor records for 1,270 properties (65.8% of total filings). Values reflect tax-assessed amounts, not market price.

Ownership Duration Before Filing

The median ownership duration before a court filing is 10.5 years, with 50.6% of owners holding the property 10+ years (a strong equity signal for investors). Inherited Property cases show the longest tenure (22.6 yr median) vs. Partition (8.9 yr).

Duration calculated from last recorded property sale to court filing date for 336 properties (17.4% of total filings). Longer ownership often correlates with higher equity.

Repeat litigation patterns in Clearfield County

Of 1,654 unique property owners in court filings, 164 (9.9%) appear in multiple cases, including 48 with 3 or more filings. The most active repeat filer has 11 cases spanning 8 months. Civil: Miscellaneousother cases have the highest repeat rate at 37.3%.

Repeat rate by case type

Analysis based on 1,654 unique owner names across court filings. Repeat filers are property owners appearing in 2 or more distinct cases.

Serial distressed properties in Clearfield County

Of 680 unique properties in court filings, 74 (10.9%) have multiple filings (averaging 2.4 filings per property). Average time between repeat filings: 7 months. Civil: Miscellaneousother properties have the highest repeat rate at 50.0%.

Serial distress rate by case type

Analysis based on 680 unique property addresses across court filings. Serial distressed properties have 2 or more distinct case filings at the same address.

Land vs improvement value composition

Across 928 properties with assessed value breakdowns, the median land share is 16.0% (median land value $3,200, median improvement value $16,250). 25 properties (2.7%) are land-dominant (50%+ land value) — potential teardown or vacant-lot targets. Inherited Property cases skew most land-heavy (median 24.4%) while Commonwealth Lien skews most improvement-heavy (12.8%).

Land share distribution

Land share by case type

Analysis of 928 properties (48.1% of filings) with assessed land and improvement value breakdowns.

Prior sale value trajectory

Across 394 properties with purchase and assessed value data, the median value change since purchase is -84.9%. 279 properties (70.8%) are underwater (current assessed value below purchase price). Short-hold owners (<5 yr) show a median -89.5% value change vs -73.3% for long-hold (10+ yr). Pre-Foreclosure cases have the highest underwater rate (74.5%) while Inherited Property has the lowest (50.0%).

Value change distribution

Holding period vs value change

Value trajectory by case type

Analysis of 394 properties (20.4% 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

• Court filings are collected directly from Clearfield County court records, which are public information.
• Every filing in this dataset has been verified for current owner-of-record. Entity-owned filings (LLCs, trusts, banks) and properties where the named party is not the current owner are excluded.
• Property value figures come from third-party enrichment (10% coverage on this dataset).
• Individual case data, defendant names, and property addresses are not published. Reports show aggregated statistics only.
• The methodology page at /reports/methodology documents data sources, sample sizes, and known limitations in detail.
• This report was generated 2026-08-03 from the live database. Numbers reflect the dataset at that moment.

Top cities for filings within Clearfield County

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

Share is computed against filings with a parsed property city (not against total Clearfield 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

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