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Elk County, Pennsylvania Court Filings Intelligence

Live court-record analysis of property-related filings (foreclosure, probate, divorce, partition, guardianship). Data sourced direct from Elk County court dockets. Updated 2026-08-03. See methodology.

Investor takeaway

About Elk County

Elk County is a county in the Commonwealth of Pennsylvania. As of the 2020 United States census, the population was 30,990. Its county seat is Ridgway. The county was created on April 18, 1843, from parts of Jefferson, Clearfield, and McKean Counties. Elk County is named for the now-extinct eastern elk that historically inhabited the region. The county is part of the North Central region of the commonwealth.

Source: Wikipedia

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At a glance

5911 property-related court filings tracked across 79 months (Jan 2020 to Jul 2026).

75 typical monthly filing volume.

0% of filings involve owners whose mailing address differs from the property address (0 of 5911 filings).

$n/a median estimated property value across the 0 filings with property-enrichment data (0% 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
Other 5207 88.1%
Divorce 514 8.7%
Foreclosure (Post-Filing) 157 2.7%
Quiet Title 16 0.3%
Partition 10 0.2%
Real Estate Dispute 7 0.1%

Each row is a distinct case as recorded on the county docket.

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Monthly filing activity

MonthFilingsvs prior
Jan 2020 126
Feb 2020 70 -56
Mar 2020 112 +42
Apr 2020 35 -77
May 2020 100 +65
Jun 2020 46 -54
Jul 2020 72 +26
Aug 2020 54 -18
Sep 2020 75 +21
Oct 2020 116 +41
Nov 2020 68 -48
Dec 2020 58 -10
Jan 2021 85 +27
Feb 2021 50 -35
Mar 2021 43 -7
Apr 2021 54 +11
May 2021 63 +9
Jun 2021 62 -1
Jul 2021 59 -3
Aug 2021 123 +64
Sep 2021 110 -13
Oct 2021 64 -46
Nov 2021 82 +18
Dec 2021 62 -20
Jan 2022 82 +20
Feb 2022 51 -31
Mar 2022 55 +4
Apr 2022 76 +21
May 2022 103 +27
Jun 2022 60 -43
Jul 2022 96 +36
Aug 2022 57 -39
Sep 2022 185 +128
Oct 2022 85 -100
Nov 2022 108 +23
Dec 2022 7 -101
Jan 2023 117 +110
Feb 2023 75 -42
Mar 2023 83 +8
Apr 2023 76 -7
May 2023 44 -32
Jun 2023 78 +34
Jul 2023 49 -29
Aug 2023 60 +11
Sep 2023 50 -10
Oct 2023 94 +44
Nov 2023 45 -49
Dec 2023 72 +27
Jan 2024 48 -24
Feb 2024 71 +23
Mar 2024 56 -15
Apr 2024 76 +20
May 2024 74 -2
Jun 2024 74 0
Jul 2024 63 -11
Aug 2024 110 +47
Sep 2024 27 -83
Oct 2024 134 +107
Nov 2024 48 -86
Dec 2024 55 +7
Jan 2025 80 +25
Feb 2025 80 0
Mar 2025 74 -6
Apr 2025 119 +45
May 2025 88 -31
Jun 2025 85 -3
Jul 2025 77 -8
Aug 2025 73 -4
Sep 2025 59 -14
Oct 2025 71 +12
Nov 2025 77 +6
Dec 2025 82 +5
Jan 2026 56 -26
Feb 2026 85 +29
Mar 2026 64 -21
Apr 2026 93 +29
May 2026 91 -2
Jun 2026 81 -10
Jul 2026 43 -38

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

Geographic concentration by ZIP

Top 0 ZIPs in Elk County account for 0.0% of all tracked filings, showing where distressed real estate activity clusters.

ZIPCityFilingsShare

Based on filings with a parseable property address (0% of Elk County filings).

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Property value distribution

Estimated valueFilingsShare

Source: third-party property enrichment (0% coverage on Elk County filings). Median $n/a; mean $n/a.

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Day-of-week filing pattern

DayFilingsShare
Sun 0 0.0%
Mon 1274 21.6%
Tue 1007 17.0%
Wed 1395 23.6%
Thu 1231 20.8%
Fri 1004 17.0%
Sat 0 0.0%

Filings cluster Monday through Friday, with weekend filings essentially absent (court system closed). Computed for 5911 filings with a parseable date.

Housing stock + distress signals

Underlying housing stock and distress indicators across all 16876 Elk County housing units, from US Census ACS 5-year data. National reference values shown for context.

Indicator Elk County US average
Vacancy rate (incl. seasonal + for-sale)20.1%10.5%
Share of owner-occupied units carrying a mortgage39.3%60.8%
Pre-1940 housing stock24.1%12.3%
Single-family detached share of housing stock81.1%61.2%
Residents age 65 or older23.4%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. Elk County sits within the Elk 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$708
1-bedroom$825
2-bedroom$973
3-bedroom$1,283
4-bedroom$1,288

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 Elk 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)23
Year-over-year change (2024 → 2025)-52.1%
Single-family share of permits (2025)91.3%
Single-family units permitted21
Multifamily units permitted (2+ units per building)2

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

Elk 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.

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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
Judgment: Filed (General W/ Costs Prepaid) 2696 45.6% +4.7%
Judgment: District Justice (Transcript) 429 7.3% +18.2%
Divorce (Without Custody) 425 7.2% -16.7%
Civil: Contractdebt Collection: Credit Card 367 6.2% -29.4%
Civil: Contractdebt Collection: Other 365 6.2% +0.0%
Civil: Custody 325 5.5% -46.2%
Commonwealth Certified Copy Of Lien (W/ Costs Prepaid) 170 2.9% -12.5%
Civil: Real Propertymortgage Foreclosure: Residential 151 2.6% +0.0%
Divorce (With Custody) 89 1.5% --
Financial Statement 75 1.3% +57.1%
Petition: Commencing An Action 74 1.3% --
Civil: Appeals 53 0.9% --
Civil: Appealsagencies: Department Of Transportation 50 0.8% +16.7%
Petition: Name Change 48 0.8% +16.7%
Civil: Contractother 43 0.7% --
Civil: Tortmotor Vehicle 42 0.7% --
Writ Of Revival 37 0.6% --
Commonwealth Certified Copy Of Lien 32 0.5% -40.0%
Federal Certified Copy Of Lien 32 0.5% +33.3%
Civil: Real Propertyejectment 30 0.5% --
Civil: Miscellaneous 28 0.5% --
Appeal Dj 25 0.4% --
Civil: Tortother 24 0.4% --
Filing 22 0.4% --
Civil: Contractbuyer Plaintiff 20 0.3% --
Civil: Real Propertyquiet Title 16 0.3% --
Civil: Tortpremises Liability 14 0.2% --
Judgment: Remove/ Transfer 10 0.2% --
Civil: Professional Liabilitymedical 10 0.2% --
Transfer Civil: Custody 10 0.2% --
Civil: Real Propertyother 10 0.2% --
Civil: Real Propertypartition Of Real Property 10 0.2% --
Civil: Appealsagencies: Board Of Assessment 10 0.2% --
Transfer Civil Case 9 0.2% --
Civil: Miscellaneousdeclaratory Judgment 9 0.2% --
Civil: Complaint 9 0.2% -40.0%
Appointment 9 0.2% --
Mechanics Lien Claim 8 0.1% --
Municipal Lien Claim 8 0.1% --
Civil: Miscellaneousreplevin 8 0.1% --
Civil: Appealsagencies: Zoning Board 8 0.1% --
Foreign Judgment 8 0.1% --
Judgment: Confession 7 0.1% --
Writ Of Scire Facias 7 0.1% --
Civil: Real Propertymortgage Foreclosure: Commercial 6 0.1% --
Civil: Contract 6 0.1% --
Civil: Tortintentional 5 0.1% --
Dismissal 5 0.1% --

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

Seasonal filing patterns

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

Month Avg filings Relative
Jan 84.9
90%
Feb 68.9
73%
Mar 69.6
74%
Apr 75.6
80%
May 80.4
86%
Jun 69.4
74%
Jul 65.6
70%
Aug 79.5
85%
Sep 84.3
90%
Oct 94
100%
Nov 71.3
76%
Dec 56
60%

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

Non-resident owner analysis

Most filings (100%) involve owner-occupied properties. The relatively low absentee rate suggests distress is primarily hitting homeowners, not institutional investors.

0.0%
Non-resident owners
Case type Total filings Non-resident %
Judgment: Filed (General W/ Costs Prepaid) 2696 0.0%
Judgment: District Justice (Transcript) 429 0.0%
Divorce (Without Custody) 425 0.0%
Civil: Contractdebt Collection: Credit Card 367 0.0%
Civil: Contractdebt Collection: Other 365 0.0%
Civil: Custody 325 0.0%
Commonwealth Certified Copy Of Lien (W/ Costs Prepaid) 170 0.0%
Civil: Real Propertymortgage Foreclosure: Residential 151 0.0%
Divorce (With Custody) 89 0.0%
Financial Statement 75 0.0%
Petition: Commencing An Action 74 0.0%
Civil: Appeals 53 0.0%
Civil: Appealsagencies: Department Of Transportation 50 0.0%
Petition: Name Change 48 0.0%
Civil: Contractother 43 0.0%
Civil: Tortmotor Vehicle 42 0.0%
Writ Of Revival 37 0.0%
Commonwealth Certified Copy Of Lien 32 0.0%
Federal Certified Copy Of Lien 32 0.0%
Civil: Real Propertyejectment 30 0.0%
Civil: Miscellaneous 28 0.0%
Appeal Dj 25 0.0%
Civil: Tortother 24 0.0%
Filing 22 0.0%
Civil: Contractbuyer Plaintiff 20 0.0%
Civil: Real Propertyquiet Title 16 0.0%
Civil: Tortpremises Liability 14 0.0%
Judgment: Remove/ Transfer 10 0.0%
Civil: Professional Liabilitymedical 10 0.0%
Transfer Civil: Custody 10 0.0%
Civil: Real Propertyother 10 0.0%
Civil: Real Propertypartition Of Real Property 10 0.0%
Civil: Appealsagencies: Board Of Assessment 10 0.0%
Transfer Civil Case 9 0.0%
Civil: Miscellaneousdeclaratory Judgment 9 0.0%
Civil: Complaint 9 0.0%
Appointment 9 0.0%
Mechanics Lien Claim 8 0.0%
Municipal Lien Claim 8 0.0%
Civil: Miscellaneousreplevin 8 0.0%
Civil: Appealsagencies: Zoning Board 8 0.0%
Foreign Judgment 8 0.0%
Judgment: Confession 7 0.0%
Writ Of Scire Facias 7 0.0%
Civil: Real Propertymortgage Foreclosure: Commercial 6 0.0%
Civil: Contract 6 0.0%
Civil: Tortintentional 5 0.0%
Dismissal 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.

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Distress composition and shifts

Civil: Contractdebt Collection: Other share is rising. Judgment: Filed (General W/ Costs Prepaid) 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
Judgment: Filed (General W/ Costs Prepaid) 27.4% 46.0% -18.6pp (falling)
Civil: Contractdebt Collection: Other 12.1% 6.0% +6.1pp (rising)
Divorce (Without Custody) 9.7% 7.1% +2.6pp
Judgment: District Justice (Transcript) 8.1% 7.2% +0.9pp
Commonwealth Certified Copy Of Lien (W/ Costs Prepaid) 7.3% 2.8% +4.5pp
Petition: Commencing An Action 5.6% 1.2% +4.4pp
Civil: Contractdebt Collection: Credit Card 5.6% 6.2% -0.6pp
Civil: Custody 4.8% 5.5% -0.7pp
Civil: Real Propertymortgage Foreclosure: Residential 3.2% 2.5% +0.7pp
Civil: Real Propertyejectment 1.6% 0.5% +1.1pp
Civil: Contractother 1.6% 0.7% +0.9pp
Petition: Name Change 1.6% 0.8% +0.8pp
Divorce (With Custody) 1.6% 1.5% +0.1pp
Mechanics Lien Claim 1.6% 0.1% +1.5pp
Municipal Lien Claim 1.6% 0.1% +1.5pp
Civil: Appeals 1.6% 0.9% +0.7pp
Transfer Civil Case 0.8% 0.1% +0.7pp
Civil: Tortpremises Liability 0.8% 0.2% +0.6pp
Civil: Real Propertylandlord / Tenant Dispute 0.8% 0.0% +0.8pp
Civil: Professional Liabilitymedical 0.8% 0.2% +0.6pp
Civil: Tortmotor Vehicle 0.8% 0.7% +0.1pp
Commonwealth Certified Copy Of Lien 0.8% 0.5% +0.3pp
Power Of Attorney 0.0% 0.0% +0.0pp
Federal Certified Copy Of Lien 0.0% 0.6% -0.6pp
Judgment: Remove/ Transfer 0.0% 0.2% -0.2pp
Writ Of Scire Facias 0.0% 0.1% -0.1pp
Financial Statement 0.0% 1.3% -1.3pp
Writ Of Revival 0.0% 0.6% -0.6pp
Civil: Appealsagencies: Department Of Transportation 0.0% 0.9% -0.9pp
Revival: Lien Of Any Judgment By Amicable Proceedings 0.0% 0.0% +0.0pp
Motion (Petition & Order) 0.0% 0.0% +0.0pp
Civil: Miscellaneousdeclaratory Judgment 0.0% 0.2% -0.2pp
Judgment: Praecipe 0.0% 0.0% +0.0pp
Petition: Recount Ballot Boxes 0.0% 0.0% +0.0pp
Judgment: Filed (General) 0.0% 0.0% +0.0pp
Civil: Tort 0.0% 0.1% -0.1pp
Civil: Miscellaneousother 0.0% 0.1% -0.1pp
Civil: Contractemployment Dispute: Discrimination 0.0% 0.0% +0.0pp
Order 0.0% 0.1% -0.1pp
Civil: Professional Liabilitylegal 0.0% 0.0% +0.0pp
Appointment 0.0% 0.2% -0.2pp
Civil: Real Propertypartition Of Real Property 0.0% 0.2% -0.2pp
Judgment: Consent 0.0% 0.0% +0.0pp
Civil: Complaintother 0.0% 0.0% +0.0pp
Civil: Contractbuyer Plaintiff 0.0% 0.3% -0.3pp
Civil: Miscellaneous 0.0% 0.5% -0.5pp
Transfer Civil: Custody 0.0% 0.2% -0.2pp
Appeal Djjudicial: Mdj (Landlord / Tenant) 0.0% 0.0% +0.0pp
Judgment: Final 0.0% 0.0% +0.0pp
Certificate Of Authority 0.0% 0.1% -0.1pp
Civil: Tortslander / Libel / Defamation 0.0% 0.0% +0.0pp
Civil: Real Propertyeminent Domain / Condemnation 0.0% 0.0% +0.0pp
Civil: Appealsagencies: Board Of Assessment 0.0% 0.2% -0.2pp
Dismissal 0.0% 0.1% -0.1pp
Civil: Miscellaneousreplevin 0.0% 0.1% -0.1pp
Civil: Complaint 0.0% 0.2% -0.2pp
Civil: Appealsagencies: Zoning Board 0.0% 0.1% -0.1pp
Civil: Tortnuisance 0.0% 0.1% -0.1pp
Foreign Judgment 0.0% 0.1% -0.1pp
Judgment: Notes 0.0% 0.0% +0.0pp
Civil: Tortmalicious Prosecution 0.0% 0.0% +0.0pp
Civil: Real Property 0.0% 0.0% +0.0pp
Political Subdivision 0.0% 0.1% -0.1pp
No Lien Agreement 0.0% 0.0% +0.0pp
Civil: Contract 0.0% 0.1% -0.1pp
Stipulation Against 0.0% 0.1% -0.1pp
Judgment: Confession 0.0% 0.1% -0.1pp
Civil: Contractemployment Dispute: Other 0.0% 0.1% -0.1pp
Civil: Real Propertyquiet Title 0.0% 0.3% -0.3pp
Civil: Real Propertyother 0.0% 0.2% -0.2pp
Filing 0.0% 0.4% -0.4pp
Civil: Miscellaneousmandamus 0.0% 0.0% +0.0pp
Appeal Dj 0.0% 0.4% -0.4pp
Civil: Appealsother 0.0% 0.1% -0.1pp
Civil: Tortother 0.0% 0.4% -0.4pp
Civil: Real Propertymortgage Foreclosure: Commercial 0.0% 0.1% -0.1pp
Civil: Tortintentional 0.0% 0.1% -0.1pp

Distress diversity score: 3.61 (Shannon entropy; higher = more diverse distress sources). "Recent" = last 2 complete months; "Earlier" = all prior months.

Case Aging & Stall Analysis

308 cases (46.0%) have been active for over a year without resolution. 27 filings in the last <30 days represent fresh opportunities.

308
Cases stalled 1yr+
46.0%
of all filings
670
Total tracked
Age Total Resolved Still active Resolution rate
<30 days 27 0 27 0.0%
30-90 days 174 0 174 0.0%
3-6 months 161 0 161 0.0%
2+ years 308 0 308 0.0%
Resolution speed by case type
Case type Total Resolved Rate Median days
Judgment: Filed (General W/ Costs Prepaid) 271 0 0.0%
Civil: Contractdebt Collection: Other 46 0 0.0%
Divorce (Without Custody) 43 0 0.0%
Commonwealth Certified Copy Of Lien (W/ Costs Prepaid) 40 0 0.0%
Judgment: District Justice (Transcript) 39 0 0.0%
Civil: Contractdebt Collection: Credit Card 33 0 0.0%
Civil: Custody 30 0 0.0%
Civil: Miscellaneous 27 0 0.0%
Civil: Real Propertymortgage Foreclosure: Residential 16 0 0.0%
Petition: Commencing An Action 14 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.

Repeat litigation patterns in Elk County

Of 553 unique property owners in court filings, 49 (8.9%) appear in multiple cases, including 14 with 3 or more filings. The most active repeat filer has 9 cases. Judgment: Filed (General W/ Costs Prepaid) cases have the highest repeat rate at 14.0%.

553
Unique owners
49
Repeat filers (2+ cases)
8.9%
Repeat rate
14
Serial filers (3+ cases)

Repeat rate by case type

Case type Repeat owners Total owners Repeat rate
Judgment: Filed (General W/ Costs Prepaid) 32 228 14.0%
Civil: Contractdebt Collection: Other 4 43 9.3%
Commonwealth Certified Copy Of Lien (W/ Costs Prepaid) 5 36 13.9%
Civil: Contractdebt Collection: Credit Card 2 32 6.2%

Analysis based on 553 unique owner names across court filings. Repeat filers are property owners appearing in 2 or more distinct cases.

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

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, "Elk County Pennsylvania Court Filings Intelligence," 2026-08-03, https://keystonecourtdata.com/reports/elk-pa-court-filings-intelligence · Download data (CSV)