Northampton County, Pennsylvania Court Filings Intelligence
Live court-record analysis of property-related filings (foreclosure, probate, divorce, partition, guardianship). Data sourced direct from Northampton County court dockets. Updated 2026-08-03. See methodology.
- Filing volume accelerating (+81.5%) — last 2 complete months (196 filings) vs prior 2 complete months (108 filings). Excludes the current calendar month (in progress).
- Max gross cap rate 16.0% at HUD Fair Market Rent — $19,608/year (2BR FMR × 12) on the $122,600 median estimated market value. Section-8-eligible rent ceiling; real-market rent typically exceeds FMR; excludes operating costs (taxes, insurance, maintenance, vacancy, management).
- 57.6% of filings are Equity Division Sale — the dominant lead category in Northampton County during the observed window.
About Northampton County
Northampton County is a county in the Commonwealth of Pennsylvania, United States. As of the 2020 census, the population was 312,951. Its county seat is Easton. The county was formed in 1752 from parts of Bucks County. Its namesake was the county of Northamptonshire in England, and the county seat of Easton was named for Easton Neston, a country house in Northamptonshire.
Source: Wikipedia
At a glance
309 verified property-related court filings tracked across 5 months (Apr 2026 to Aug 2026).
76 typical monthly filing volume.
#11 of 19 Pennsylvania counties Keystone covers, ranked by total filing volume.
5% of filings involve owners whose mailing address differs from the property address (14 of 309 filings).
$122,600 median estimated property value across the 236 filings with property-enrichment data (76% coverage).
3.9% Pennsylvania unemployment rate (BLS, as of 2026-05). Filings should be read against the local-economy backdrop.
Filing type breakdown
| Filing type | Filings | Share | |
|---|---|---|---|
| Partition | 179 | 57.9% | |
| Pre-Foreclosure | 79 | 25.6% | |
| Inherited Property | 30 | 9.7% | |
| Pre-Probate | 8 | 2.6% | |
| Tired Landlord | 6 | 1.9% | |
| Divorce | 4 | 1.3% | |
| Stalled Project | 3 | 1.0% |
Each row is a distinct case verified for current owner-of-record before inclusion.
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Monthly filing activity
| Month | Filings | vs prior | |
|---|---|---|---|
| Apr 2026 | 35 | ||
| May 2026 | 73 | +38 | |
| Jun 2026 | 100 | +27 | |
| Jul 2026 | 96 | -4 | |
| Aug 2026 | 5 | -91 |
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 Northampton County account for 35.3% of all tracked filings, showing where distressed real estate activity clusters.
| ZIP | City | Filings | Share | |
|---|---|---|---|---|
| 18042 | Easton | 39 | 12.6% | |
| 18015 | Bethlehem | 13 | 4.2% | |
| 18045 | Palmer Township | 13 | 4.2% | |
| 18017 | Bethlehem | 13 | 4.2% | |
| 18040 | Forks Township | 10 | 3.2% | |
| 18020 | Bethlehem Township | 6 | 1.9% | |
| 18064 | Nazareth | 6 | 1.9% | |
| 18343 | Upper Mount Bethel Township | 3 | 1.0% | |
| 18055 | Hellertown | 3 | 1.0% | |
| 18018 | Bethlehem | 3 | 1.0% |
Based on filings with a parseable property address (40% of Northampton County filings).
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Property value distribution
| Estimated value | Filings | Share | |
|---|---|---|---|
| Under $75k | 44 | 18.6% | |
| $75k - $150k | 98 | 41.5% | |
| $150k - $250k | 36 | 15.3% | |
| $250k - $400k | 16 | 6.8% | |
| $400k+ | 42 | 17.8% |
Source: third-party property enrichment (76% coverage on Northampton County filings). Median $122,600; mean $248,222.
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Day-of-week filing pattern
| Day | Filings | Share | |
|---|---|---|---|
| Sun | 1 | 0.3% | |
| Mon | 51 | 16.5% | |
| Tue | 61 | 19.7% | |
| Wed | 79 | 25.6% | |
| Thu | 57 | 18.4% | |
| Fri | 49 | 15.9% | |
| Sat | 11 | 3.6% |
Filings cluster Monday through Friday, with weekend filings essentially absent (court system closed). Computed for 309 filings with a parseable date.
Building characteristics
Per-property details from third-party property enrichment, aggregated across the 221 filings with characteristic data:
| Indicator | Value |
|---|---|
| Median year built | 1955 |
| Median living area | 1,557 sqft |
| Median bedrooms | 3 |
| Median bathrooms | 1.0 |
| Median lot size | 0.24 acres |
| Owner-occupied (at time of enrichment) | 0.0% |
Housing stock + distress signals
Underlying housing stock and distress indicators across all 128612 Northampton County housing units, from US Census ACS 5-year data. National reference values shown for context.
| Indicator | Northampton County | US average |
|---|---|---|
| Vacancy rate (incl. seasonal + for-sale) | 5.5% | 10.5% |
| Share of owner-occupied units carrying a mortgage | 60.4% | 60.8% |
| Pre-1940 housing stock | 26.8% | 12.3% |
| Single-family detached share of housing stock | 58.5% | 61.2% |
| Residents age 65 or older | 19.9% | 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. Northampton County sits within the Allentown-Bethlehem-Easton, PA-NJ. 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 | $1,130 |
| 1-bedroom | $1,341 |
| 2-bedroom | $1,634 |
| 3-bedroom | $2,087 |
| 4-bedroom | $2,195 |
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 Northampton 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) | 1,050 |
| Year-over-year change (2024 → 2025) | +92.3% |
| Single-family share of permits (2025) | 33.2% |
| Single-family units permitted | 349 |
| Multifamily units permitted (2+ units per building) | 701 |
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
Northampton 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) | $79,029 |
| Median home value | $234,267 |
| Owner-occupancy rate | 60.2% |
| Renter share of households | 39.8% |
| Median gross rent | $1,361/mo |
Source: U.S. Census Bureau ACS 5-year estimates, weighted by Keystone's filing volume across 4 top ZIPs.
Most active foreclosure plaintiffs in Northampton 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 |
|---|---|
| NEWREZ LLC | 11 |
| PENNYMAC LOAN SERVICES LLC | 5 |
| FREEDOM MORTGAGE CORPORATION | 5 |
| ROCKET MORTGAGE LLC | 5 |
| LAKEVIEW LOAN SERVICING LLC | 4 |
| PENNSYLVANIA HOUSING FINANCE AGENCY | 4 |
| MIDFIRST BANK | 3 |
| PLANET HOME LENDING LLC | 3 |
| U.S. BANK N.A | 3 |
| PNC BANK N.A | 3 |
Source: plaintiff names extracted from Northampton County foreclosure complaint text. Court records are public information.
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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 185 properties with geocoded locations.
| Zone | Properties | Share |
|---|---|---|
| X | 180 | 97.3% |
| AE | 3 | 1.6% |
| X-500yr | 1 | 0.5% |
| A | 1 | 0.5% |
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. 185 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 | 178 | 57.6% | +87.1% |
| Pre-Foreclosure | 79 | 25.6% | +195.0% |
| Inherited Property | 30 | 9.7% | +27.3% |
| Pre-Probate | 8 | 2.6% | -- |
| Tired Landlord | 6 | 1.9% | -- |
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 |
|---|---|---|
| NEWREZ LLC | 11 | 14.3% |
| PENNYMAC LOAN SERVICES LLC | 5 | 6.5% |
| FREEDOM MORTGAGE CORPORATION | 5 | 6.5% |
| ROCKET MORTGAGE LLC | 5 | 6.5% |
| LAKEVIEW LOAN SERVICING LLC | 4 | 5.2% |
HHI (Herfindahl-Hirschman Index): <1500 = competitive, 1500-2500 = moderate concentration, >2500 = highly concentrated. Based on 77 foreclosure filings with identified plaintiffs.
Seasonal filing patterns
Court filings peak in Jun and are lowest in Apr. The 2.9x 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 | 35 | 35% |
| May | 73 | 73% |
| Jun | 100 | 100% |
| Jul | 96 | 96% |
Average filings per calendar month across all observed years. Relative column shows each month as a percentage of the peak month (Jun), with a 2.9x peak-to-trough ratio.
ZIP code distress hotspots
Distress is geographically dispersed across 19 ZIP codes, with no single area dominating. 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 |
|---|---|---|---|---|---|
| 18042 | Easton | 39 | 12.6% | 13% | $103,400 |
| 18015 | Bethlehem | 13 | 4.2% | 8% | $121,400 |
| 18045 | Palmer Township | 13 | 4.2% | 0% | $208,500 |
| 18017 | Bethlehem | 13 | 4.2% | 0% | $166,500 |
| 18040 | Forks Township | 10 | 3.2% | 0% | $180,600 |
| 18020 | Bethlehem Township | 6 | 1.9% | 0% | $505,600 |
| 18064 | Nazareth | 6 | 1.9% | 0% | $142,500 |
| 18343 | Upper Mount Bethel Township | 3 | 1.0% | 33% | $605,060 |
| 18055 | Hellertown | 3 | 1.0% | 0% | $114,400 |
| 18018 | Bethlehem | 3 | 1.0% | 0% | $59,500 |
Top 10 of 19 ZIP codes with filings. High equity = properties with estimated equity above 40% (from third-party enrichment).
Non-resident owner analysis
Most filings (96%) involve owner-occupied properties. The relatively low absentee rate suggests distress is primarily hitting homeowners, not institutional investors.
| Case type | Total filings | Non-resident % |
|---|---|---|
| Equity Division Sale | 178 | 0.0% |
| Pre-Foreclosure | 79 | 2.5% |
| Inherited Property | 30 | 10.0% |
| Pre-Probate | 8 | 75.0% |
| Tired Landlord | 6 | 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
Pre-Foreclosure share is rising. Pre-Probate, Tired Landlord share is declining. Low diversity — distress is dominated by one or two case types, suggesting a concentrated driver.
| Case type | Recent share | Earlier share | Shift |
|---|---|---|---|
| Equity Division Sale | 59.2% | 57.4% | +1.8pp |
| Pre-Foreclosure | 30.1% | 18.5% | +11.6pp (rising) |
| Inherited Property | 7.1% | 10.2% | -3.1pp |
| Divorce | 2.0% | 0.0% | +2.0pp |
| Stalled Project | 1.0% | 0.9% | +0.1pp |
| Partition | 0.5% | 0.0% | +0.5pp |
| Pre-Probate | 0.0% | 7.4% | -7.4pp (falling) |
| Tired Landlord | 0.0% | 5.6% | -5.6pp (falling) |
Distress diversity score: 1.46 (Shannon entropy; higher = more diverse distress sources). "Recent" = last 2 complete months; "Earlier" = all prior months.
Case Outcomes & Resolution Timeline
2.1% of tracked cases have reached a resolution. The most common resolution is judgment entered (3 cases, 50% of resolved).
Detailed disposition breakdown
| Disposition | Count | % of Resolved |
|---|---|---|
| Final Judgment | 3 | 50.0% |
| Settlement | 2 | 33.3% |
| Discontinued Without Prejudice | 1 | 16.7% |
Outcomes by Case Type
| Case Type | Cases | Resolved | Resolution Rate | Median Days |
|---|---|---|---|---|
| Equity Division Sale | 181 | 5 | 2.8% | — |
| Pre-Foreclosure | 72 | 1 | 1.4% | — |
| Inherited Property | 25 | 0 | 0.0% | — |
| Tired Landlord | 6 | 0 | 0.0% | — |
Based on 288 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). 282 cases are still active or pending resolution.
Property Value Profile
The median assessed value of properties in court filings is $122,100. Inherited Property filings involve the highest-value properties (median $198,900), while Tired Landlord filings trend lower (median $111,300). The largest segment (41.4%) falls in the $100K - $250K range.
| Value range | Properties | Share |
|---|---|---|
| Under $100K | 82 | 34.3% |
| $100K - $250K | 99 | 41.4% |
| $250K - $500K | 21 | 8.8% |
| $500K - $1M | 28 | 11.7% |
| Over $1M | 9 | 3.8% |
Value breakdown by case type
| Case type | Median value | Avg value | Properties |
|---|---|---|---|
| Equity Division Sale | $116,000 | $236,329 | 131 |
| Pre-Foreclosure | $114,400 | $197,979 | 71 |
| Inherited Property | $198,900 | $446,589 | 25 |
| Tired Landlord | $111,300 | $111,346 | 6 |
Based on county assessor records for 239 properties with court filings (77.3% of total filings). Values are tax-assessed amounts, not market listing prices.
Investment Opportunity Score by ZIP Code
Across 11 ZIP codes with sufficient court filing data, ZIP 18042 (Easton) ranks highest with an investment opportunity score of 75/100, driven by high filing volume (39 cases). 4 of 11 scored ZIPs are above the average score of 40.
| Rank | ZIP Code | Area | Score | Filings | Avg Value | Absentee % |
|---|---|---|---|---|---|---|
| #1 | 18042 | Easton |
75
|
39 | — | 0% |
| #2 | 18015 | Bethlehem |
50
|
13 | — | 0% |
| #3 | 18017 | Bethlehem |
50
|
13 | — | 0% |
| #4 | 18045 | Easton |
42
|
13 | — | 0% |
| #5 | 18040 | Easton |
39
|
10 | — | 0% |
| #6 | 18020 | Bethlehem |
35
|
6 | — | 0% |
| #7 | 18064 | Nazareth |
35
|
6 | — | 0% |
| #8 | 18018 | Bethlehem |
32
|
3 | — | 0% |
| #9 | 18343 | Upper Mount Bethel Township |
29
|
3 | — | 0% |
| #10 | 18038 | Danielsville |
29
|
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 309 court filings across 11 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
$58,620,911 in assessed property value is currently tied up in 239 court-filed properties. Equity Division Sale filings represent the largest capital pool ($30,959,131 across 131 properties).
Capital at Risk by Filing Type
| Filing Type | Total Value | Properties | Avg Value | High Equity % |
|---|---|---|---|---|
| Equity Division Sale | $30,959,131 | 131 | $236,329 | -- |
| Pre-Foreclosure | $14,056,493 | 71 | $197,979 | 80.0% |
| Inherited Property | $11,164,732 | 25 | $446,589 | -- |
| Divorce | $976,918 | 3 | $325,639 | 100.0% |
| Tired Landlord | $668,078 | 6 | $111,346 | -- |
Based on 239 properties with assessor valuations (77.3% of 309 total filings). Values are county assessor estimates. Equity calculated from estimated value vs outstanding mortgage balance where available.
Case Aging & Stall Analysis
0 cases (0.0%) have been active for over a year without resolution. 80 filings in the last <30 days represent fresh opportunities.
| Age | Total | Resolved | Still active | Resolution rate |
|---|---|---|---|---|
| <30 days | 80 | 0 | 80 | 0.0% |
| 30-90 days | 176 | 4 | 172 | 2.3% |
| 3-6 months | 40 | 2 | 38 | 5.0% |
Resolution speed by case type
| Case type | Total | Resolved | Rate | Median days |
|---|---|---|---|---|
| Equity Division Sale | 181 | 5 | 2.8% | — |
| Pre-Foreclosure | 72 | 1 | 1.4% | — |
| Inherited Property | 33 | 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 Age & Distress Profile
185 filings (62.5% of scope) have year-built data. Pre-1960 properties are most common (52%). Newer properties (2000+) average $113,646 — 2.6x the value of Pre-1960 stock ($43,605).
| Construction era | Filings | Share | Avg value | Median days |
|---|---|---|---|---|
| Pre-1960 | 96 | 51.9% | $43,605 | — |
| 1960–1979 | 43 | 23.2% | $64,351 | — |
| 1980–1999 | 22 | 11.9% | $87,218 | — |
| 2000+ | 24 | 13.0% | $113,646 | — |
Value trend: 2000+ properties average $113,646 — 2.61x the value of Pre-1960 stock ($43,605).
Top case types by construction era
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 Northampton County
Court filings in Northampton County span 20 municipalities. Easton leads with 47 filings (45.2% of total), predominantly Equity Division Sale (48.9%). Filing activity is geographically concentrated — the top 3 municipalities account for 77% of all filings.
| Municipality | Filings | Share | Top case type |
|---|---|---|---|
| Easton | 47 | 45.2% | Equity Division Sale (48.9%) |
| Bethlehem | 29 | 27.9% | Equity Division Sale (34.5%) |
| Nazareth | 4 | 3.8% | Equity Division Sale (50.0%) |
| Hellertown | 3 | 2.9% | Pre-Foreclosure (100.0%) |
| Upper Mount Bethel Township | 2 | 1.9% | Inherited Property (100.0%) |
| Pen Argyl | 2 | 1.9% | Inherited Property (50.0%) |
| Bath | 2 | 1.9% | Pre-Foreclosure (50.0%) |
| Northampton | 2 | 1.9% | Equity Division Sale (50.0%) |
| Palmer Township | 2 | 1.9% | Equity Division Sale (50.0%) |
| Mount Bethel | 1 | 1.0% | Inherited Property (100.0%) |
| Danielsville | 1 | 1.0% | Pre-Foreclosure (100.0%) |
| Cherryville | 1 | 1.0% | Inherited Property (100.0%) |
| Red Lion | 1 | 1.0% | Equity Division Sale (100.0%) |
| Pittsburgh | 1 | 1.0% | Equity Division Sale (100.0%) |
| Moore Township | 1 | 1.0% | Inherited Property (100.0%) |
Top 15 of 20 municipalities with court filings. Data from 104 filings (35% of total). Municipality names from county assessor records.
Property Value Distribution
The median property value in distressed filings is $58,600, with the largest concentration (39.3%) in the $50K–$100K range. Inherited Property filings have the highest median value ($83,400) while Pre-Foreclosure filings are lowest ($51,500).
| Price range | Count | Share | Distribution |
|---|---|---|---|
| Under $50K | 88 | 37.6% | |
| $50K–$100K | 92 | 39.3% | |
| $100K–$150K | 36 | 15.4% | |
| $150K–$200K | 8 | 3.4% | |
| $200K–$300K | 9 | 3.8% | |
| $300K–$500K | 1 | 0.4% |
Value by case type
| Case type | Median value | Average value | Properties |
|---|---|---|---|
| Equity Division Sale | $57,800 | $77,015 | 134 |
| Pre-Foreclosure | $51,500 | $67,955 | 63 |
| Inherited Property | $83,400 | $85,657 | 28 |
Assessed property values from county assessor records for 234 properties (79.1% of total filings). Values reflect tax-assessed amounts, not market price.
Ownership Duration Before Filing
The median ownership duration before a court filing is 11.1 years, with 54.5% of owners holding the property 10+ years (a strong equity signal for investors). Inherited Property cases show the longest tenure (21.5 yr median) vs. Equity Division Sale (10.1 yr).
| Ownership period | Count | Share | Distribution |
|---|---|---|---|
| Under 2 years | 17 | 7.3% | |
| 2–5 years | 39 | 16.7% | |
| 5–10 years | 50 | 21.5% | |
| 10–20 years | 65 | 27.9% | |
| 20+ years | 62 | 26.6% |
Tenure by case type
| Case type | Median tenure | Average tenure | Properties |
|---|---|---|---|
| Equity Division Sale | 10.1 yr | 12.9 yr | 128 |
| Pre-Foreclosure | 10.2 yr | 11.5 yr | 64 |
| Inherited Property | 21.5 yr | 24.2 yr | 33 |
Duration calculated from last recorded property sale to court filing date for 233 properties (78.7% of total filings). Longer ownership often correlates with higher equity.
Land vs improvement value composition
Across 229 properties with assessed value breakdowns, the median land share is 33.6% (median land value $37,000, median improvement value $70,300). 12 properties (5.2%) are land-dominant (50%+ land value) — potential teardown or vacant-lot targets. Pre-Foreclosure cases skew most land-heavy (median 34.6%) while Equity Division Sale skews most improvement-heavy (32.7%).
Land share distribution
| Land share bracket | Properties | % of total |
|---|---|---|
| Under 10% | 5 | 2.2% |
| 10–20% | 13 | 5.7% |
| 20–30% | 61 | 26.6% |
| 30–50% | 138 | 60.3% |
| 50–70% | 11 | 4.8% |
| Over 70% | 1 | 0.4% |
Land share by case type
| Case type | Filings | Median land % |
|---|---|---|
| Equity Division Sale | 127 | 32.7% |
| Pre-Foreclosure | 62 | 34.6% |
| Inherited Property | 32 | 33.1% |
Analysis of 229 properties (77.4% of filings) with assessed land and improvement value breakdowns.
Prior sale value trajectory
Across 223 properties with purchase and assessed value data, the median value change since purchase is -64.0%. 159 properties (71.3%) are underwater (current assessed value below purchase price). Short-hold owners (<5 yr) show a median -75.2% value change vs -53.3% for long-hold (10+ yr). Pre-Foreclosure cases have the highest underwater rate (77.4%) while Inherited Property has the lowest (41.7%).
Value change distribution
| Value change bracket | Properties | % of total |
|---|---|---|
| 50%+ loss | 136 | 61.0% |
| 20–50% loss | 18 | 8.1% |
| 0–20% loss | 5 | 2.2% |
| 20–50% gain | 1 | 0.4% |
| 50–100% gain | 2 | 0.9% |
| 100%+ gain | 61 | 27.4% |
Holding period vs value change
(54 properties)
(115 properties)
Value trajectory by case type
| Case type | Filings | Median change | Underwater |
|---|---|---|---|
| Equity Division Sale | 129 | -64.4% | 72.1% |
| Pre-Foreclosure | 62 | -63.2% | 77.4% |
| Inherited Property | 24 | +212.9% | 41.7% |
Analysis of 223 properties (75.3% 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 Northampton 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 (76% 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 Northampton County
Where filings concentrate inside Northampton County, by parsed property city or township.
| City / Township | Filings | Share (of city-parsed filings) |
|---|---|---|
| Easton | 56 | 45.2% |
| Bethlehem | 33 | 26.6% |
| Nazareth | 5 | 4.0% |
| Hellertown | 3 | 2.4% |
| Palmer Township | 3 | 2.4% |
Share is computed against filings with a parsed property city (not against total Northampton 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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Cite: Keystone Court Data, "Northampton County Pennsylvania Court Filings Intelligence," 2026-08-03, https://keystonecourtdata.com/reports/northampton-pa-court-filings-intelligence · Download data (CSV)