Clearfield County, Pennsylvania Court Filings Intelligence
Live court-record analysis of property-related filings (foreclosure, probate, divorce, partition, guardianship). Data sourced direct from Clearfield County court dockets. Updated 2026-06-20. See methodology.
- Filing volume accelerating (+25.0%) — last 2 complete months (45 filings) vs prior 2 complete months (36 filings). Excludes the current calendar month (in progress).
- 42.6% 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 9.2% at HUD Fair Market Rent — $11,700/year (2BR FMR × 12) on the $126,884 median estimated market value. Section-8-eligible rent ceiling; real-market rent typically exceeds FMR; excludes operating costs (taxes, insurance, maintenance, vacancy, management).
- 26.6% of filings are Pre-Foreclosure — 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
109 verified property-related court filings tracked across 7 months (Dec 2025 to Jun 2026).
16 typical monthly filing volume.
#2 of 18 Pennsylvania counties Keystone covers, ranked by total filing volume.
24% of filings involve owners whose mailing address differs from the property address (26 of 109 filings).
$126,884 median estimated property value across the 28 filings with property-enrichment data (26% coverage).
3.7% Pennsylvania unemployment rate (BLS, as of 2026-04). Filings should be read against the local-economy backdrop.
Filing type breakdown
| Filing type | Filings | Share | |
|---|---|---|---|
| Pre-Foreclosure | 38 | 34.9% | |
| Other | 37 | 33.9% | |
| Pre-Probate | 19 | 17.4% | |
| Divorce | 11 | 10.1% | |
| Estate | 3 | 2.8% | |
| Partition | 1 | 0.9% |
Each row is a distinct case verified for current owner-of-record before inclusion.
Monthly filing activity
| Month | Filings | vs prior | |
|---|---|---|---|
| Dec 2025 | 8 | ||
| Jan 2026 | 10 | +2 | |
| Feb 2026 | 17 | +7 | |
| Mar 2026 | 19 | +2 | |
| Apr 2026 | 26 | +7 | |
| May 2026 | 19 | -7 | |
| Jun 2026 | 10 | -9 |
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 61.5% of all tracked filings, showing where distressed real estate activity clusters.
| ZIP | City | Filings | Share | |
|---|---|---|---|---|
| 16830 | Clearfield | 17 | 15.6% | |
| 15801 | DuBois | 16 | 14.7% | |
| 16833 | Curwensville | 8 | 7.3% | |
| 16666 | Osceola Mills | 7 | 6.4% | |
| 16858 | Morrisdale | 5 | 4.6% | |
| 16866 | Philipsburg | 4 | 3.7% | |
| 15849 | Penfield | 3 | 2.8% | |
| 15848 | Luthersburg | 3 | 2.8% | |
| 16863 | Olanta | 2 | 1.8% | |
| 15856 | Rockton | 2 | 1.8% |
Based on filings with a parseable property address (80% of Clearfield County filings).
Property value distribution
| Estimated value | Filings | Share | |
|---|---|---|---|
| Under $75k | 4 | 14.3% | |
| $75k - $150k | 18 | 64.3% | |
| $150k - $250k | 6 | 21.4% |
Source: third-party property enrichment (26% coverage on Clearfield County filings). Median $126,884; mean $122,227.
Day-of-week filing pattern
| Day | Filings | Share | |
|---|---|---|---|
| Sun | 6 | 5.5% | |
| Mon | 24 | 22.0% | |
| Tue | 16 | 14.7% | |
| Wed | 11 | 10.1% | |
| Thu | 15 | 13.8% | |
| Fri | 29 | 26.6% | |
| Sat | 8 | 7.3% |
Filings show some weekend activity, suggesting after-hours electronic filing. Computed for 109 filings with a parseable date.
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.
| Indicator | Clearfield County | US average |
|---|---|---|
| Vacancy rate (incl. seasonal + for-sale) | 15.9% | 10.5% |
| Share of owner-occupied units carrying a mortgage | 46.6% | 60.8% |
| Pre-1940 housing stock | 26.9% | 12.3% |
| Single-family detached share of housing stock | 76.1% | 61.2% |
| Residents age 65 or older | 21.5% | 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. 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.
| Unit size | Fair market rent / month |
|---|---|
| Efficiency / studio | $721 |
| 1-bedroom | $779 |
| 2-bedroom | $975 |
| 3-bedroom | $1,289 |
| 4-bedroom | $1,293 |
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.
| Indicator | Value |
|---|---|
| Total housing units permitted (2025) | 75 |
| Year-over-year change (2024 → 2025) | -14.8% |
| Single-family share of permits (2025) | 92.0% |
| Single-family units permitted | 69 |
| Multifamily units permitted (2+ units per building) | 6 |
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.
| Indicator | Value | Period |
|---|---|---|
| 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:
| Indicator | Filing-weighted average |
|---|---|
| Median household income (where filings cluster) | $59,235 |
| Median home value | $136,142 |
| Owner-occupancy rate | 76.0% |
| Renter share of households | 24.0% |
| Median gross rent | $796/mo |
Source: U.S. Census Bureau ACS 5-year estimates, weighted by Keystone's filing volume across 9 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.").
| Plaintiff | Foreclosure filings |
|---|---|
| LAKEVIEW LOAN SERVICING, LLC | 2 |
| CARRINGTON MORTGAGE SERVICES LLC | 1 |
| CITIGROUP MORTGAGE LOAN TRUST 2021-RP6 | 1 |
| CITIZENS BANK, N.A | 1 |
| CNB BANK | 1 |
| FARMERS NATIONAL BANK OF CANFIELD | 1 |
| LOANDEPOT.COM, LLC | 1 |
| MID PENN BANK | 1 |
| MIDFIRST BANK | 1 |
| PENNCREST BANK | 1 |
Source: plaintiff names extracted from Clearfield County foreclosure complaint text. Court records are public information.
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 |
|---|---|---|---|
| Pre-Foreclosure | 29 | 26.6% | +0.0% |
| Inherited Property | 23 | 21.1% | +100.0% |
| Pre-Probate | 19 | 17.4% | -- |
| Divorce | 11 | 10.1% | -- |
| High Urgency Pre Foreclosure | 9 | 8.3% | -- |
| Tired Landlord | 7 | 6.4% | -- |
| Title Clearance Play | 5 | 4.6% | -- |
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.
| Lender / Plaintiff | Filings | Share |
|---|---|---|
| LAKEVIEW LOAN SERVICING LLC | 2 | 14.3% |
| CARRINGTON MORTGAGE SERVICES LLC | 1 | 7.1% |
| CITIGROUP MORTGAGE LOAN TRUST 2021-RP6 | 1 | 7.1% |
| CITIZENS BANK NA | 1 | 7.1% |
| CNB BANK | 1 | 7.1% |
HHI (Herfindahl-Hirschman Index): <1500 = competitive, 1500-2500 = moderate concentration, >2500 = highly concentrated. Based on 14 foreclosure filings with identified plaintiffs.
Seasonal filing patterns
Court filings peak in Apr and are lowest in Dec. The 3.2x peak-to-trough ratio suggests strong seasonal patterns — investors who time their outreach around Apr can reach more distressed homeowners.
| Month | Avg filings | Relative |
|---|---|---|
| Jan | 10 | 38% |
| Feb | 17 | 65% |
| Mar | 19 | 73% |
| Apr | 26 | 100% |
| May | 19 | 73% |
| Dec | 8 | 31% |
Average filings per calendar month across all observed years. Relative column shows each month as a percentage of the peak month (Apr), with a 3.2x peak-to-trough ratio.
ZIP code distress hotspots
Distress shows moderate geographic concentration — the top 5 ZIP codes represent 48.6% of filings.
| ZIP | Area | Filings | Share | Median value |
|---|---|---|---|---|
| 16830 | Clearfield | 17 | 15.6% | $133,252 |
| 15801 | Dubois | 16 | 14.7% | $131,128 |
| 16833 | Curwensville | 8 | 7.3% | -- |
| 16666 | Osceola Mills | 7 | 6.4% | $113,628 |
| 16858 | Morrisdale | 5 | 4.6% | $181,301 |
| 16866 | Philipsburg | 4 | 3.7% | $191,602 |
| 15849 | Penfield | 3 | 2.8% | -- |
| 15848 | Luthersburg | 3 | 2.8% | -- |
| 16863 | Olanta | 2 | 1.8% | -- |
| 15856 | Rockton | 2 | 1.8% | -- |
Top 10 of 23 ZIP codes with filings.
Non-resident owner analysis
23.9% of filings involve non-resident owners. Pre-Probate filings show the highest absentee rate (73.7%), suggesting investor-owned properties concentrated in that category.
| Case type | Total filings | Non-resident % |
|---|---|---|
| Pre-Foreclosure | 29 | 27.6% |
| Inherited Property | 23 | 0.0% |
| Pre-Probate | 19 | 73.7% |
| Divorce | 11 | 18.2% |
| High Urgency Pre Foreclosure | 9 | 0.0% |
| Tired Landlord | 7 | 0.0% |
| Title Clearance Play | 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
Inherited Property, High Urgency Pre Foreclosure share is rising. Pre-Foreclosure, Real Estate Dispute 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 |
|---|---|---|---|
| Inherited Property | 31.1% | 13.0% | +18.1pp (rising) |
| Pre-Foreclosure | 22.2% | 33.3% | -11.1pp (falling) |
| High Urgency Pre Foreclosure | 15.6% | 1.9% | +13.7pp (rising) |
| Pre-Probate | 15.6% | 11.1% | +4.5pp |
| Tired Landlord | 6.7% | 7.4% | -0.7pp |
| Title Clearance Play | 6.7% | 3.7% | +3.0pp |
| Forced Liquidation | 2.2% | 1.9% | +0.3pp |
| Real Estate Dispute | 0.0% | 5.6% | -5.6pp (falling) |
| Divorce | 0.0% | 20.4% | -20.4pp (falling) |
| Partition | 0.0% | 1.9% | -1.9pp |
Distress diversity score: 2.49 (Shannon entropy; higher = more diverse distress sources). "Recent" = last 2 complete months; "Earlier" = all prior months.
Property Value Profile
The median assessed value of properties in court filings is $128,373. Pre-Foreclosure filings involve the highest-value properties (median $133,882), while Pre-Probate filings trend lower (median $117,289). The largest segment (60.7%) falls in the $100K - $250K range.
| Value range | Properties | Share |
|---|---|---|
| Under $100K | 11 | 39.3% |
| $100K - $250K | 17 | 60.7% |
Value breakdown by case type
| Case type | Median value | Avg value | Properties |
|---|---|---|---|
| Pre-Foreclosure | $133,882 | $130,551 | 15 |
| Pre-Probate | $117,289 | $114,666 | 12 |
Based on county assessor records for 28 properties with court filings (25.7% of total filings). Values are tax-assessed amounts, not market listing prices.
Investment Opportunity Score by ZIP Code
Across 8 ZIP codes with sufficient court filing data, ZIP 16830 (Clearfield) ranks highest with an investment opportunity score of 75/100, driven by high filing volume (17 cases). 3 of 8 scored ZIPs are above the average score of 47.
| Rank | ZIP Code | Area | Score | Filings | Avg Value | Absentee % |
|---|---|---|---|---|---|---|
| #1 | 16830 | Clearfield |
75
|
17 | — | 0% |
| #2 | 15801 | Dubois |
72
|
16 | — | 0% |
| #3 | 16833 | Curwensville |
48
|
8 | — | 0% |
| #4 | 16666 | Osceola Mills |
45
|
7 | — | 0% |
| #5 | 16858 | Morrisdale |
40
|
5 | — | 0% |
| #6 | 16866 | Philipsburg |
38
|
4 | — | 0% |
| #7 | 15849 | Penfield |
30
|
3 | — | 0% |
| #8 | 15848 | Luthersburg |
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 109 court filings across 8 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
$3,422,351 in assessed property value is currently tied up in 28 court-filed properties. Pre-Foreclosure filings represent the largest capital pool ($1,958,261 across 15 properties). 4 high-equity distressed properties ($541,673 total) represent the highest-value investor targets.
Capital at Risk by Filing Type
| Filing Type | Total Value | Properties | Avg Value | High Equity % |
|---|---|---|---|---|
| Pre-Foreclosure | $1,958,261 | 15 | $130,551 | 100.0% |
| Pre-Probate | $1,375,991 | 12 | $114,666 | -- |
Based on 28 properties with assessor valuations (25.7% of 109 total filings). Values are county assessor estimates. Equity calculated from estimated value vs outstanding mortgage balance where available.
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 (26% 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 2026-06-20 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.
| City / Township | Filings | Share (of city-parsed filings) |
|---|---|---|
| Clearfield | 17 | 18.1% |
| Dubois | 12 | 12.8% |
| Curwensville | 9 | 9.6% |
| Osceola Mills | 7 | 7.4% |
| Du Bois | 5 | 5.3% |
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.
Get the underlying Clearfield County filings
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Cite: Keystone Court Data, "Clearfield County Pennsylvania Court Filings Intelligence," 2026-06-20, https://keystonecourtdata.com/reports/clearfield-pa-court-filings-intelligence · Download data (CSV)