Lake County, OH Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Lake County, OH distress report, 2026: 11 ZIPs scored in Lake, OH, Lake, OH average 21/100; the top Lake, OH ZIP is 44045 at 23/100; Lake, OH market phase peak, Lake, OH prices +3.8% year over year.
- Lake, OH ranks #2,103 nationally (opportunity index); Lake, OH #31 in Ohio; Lake, OH index 27.3.
- Lake, OH ninety-day mortgage delinquency 1.3% in December 2025; Lake, OH twelve-month change +0.5%.
- Lake, OH ZIP phases: 11 peak.
- Lake, OH residential listings tracked: 33 across 8 ZIPs; Lake, OH candidate listings 13.
- Lake, OH HUD assisted properties: 11 with 1,870 units.
- Lake, OH lenders on watch: 8; largest Lake, OH footprint Jpmorgan Chase Bank Na (8 branches).
- Lake, OH most distressed ZIP: 44045 at 23/100.
Lake, OH figures: DLRadar distress index; Lake, OH inputs: CFPB, FHFA, HUD, FDIC; Lake, OH rebuilt as sources refresh.
| Rank | Lake, OH ZIP | Score |
|---|---|---|
| 1 | 44045 | 23/100 |
| 2 | 44077 | 23/100 |
| 3 | 44081 | 23/100 |
| 4 | 44092 | 23/100 |
| 5 | 44094 | 23/100 |
| 6 | 44095 | 23/100 |
| 7 | 44057 | 22/100 |
| 8 | 44060 | 22/100 |
| 9 | 44041 | 20/100 |
| 10 | 44024 | 16/100 |
| 11 | 44086 | 16/100 |
Most distressed Lake, OH ZIPs (0-100, 2026)
Mortgage delinquency in Lake, OH
1.3% of Lake, OH mortgages were ninety-plus days late (Lake, OH, December 2025); Lake, OH thirty-to-eighty-nine days late: 2.9%; Lake, OH twelve-month change +0.5%; Lake, OH peak since 2008: 3.7% (May 2012); Ohio overall 1.0%. Lake, OH ninety-day series: Dec 24 0.8, Jan 25 0.9, Feb 25 0.8 (Lake, OH), Mar 25 0.7, Apr 25 0.7, May 25 0.8 (Lake, OH), Jun 25 0.8, Jul 25 0.7, Aug 25 0.6 (Lake, OH), Sep 25 0.7, Oct 25 0.9, Nov 25 1.1 (Lake, OH), Dec 25 1.3.
Opportunity index: Lake, OH
Lake, OH index 27.3, Lake, OH phase weak; Lake, OH primary driver bank institutional, Lake, OH second driver construction. Lake, OH components: property stress 9.0, foreclosure pressure 5.9, listing discounts 40.5, bank stress 61.9, insurance 0.0; Lake, OH pulse 28.4; Lake, OH capital opportunity 25.7.
ZIP market phases inside Lake, OH
11 Lake, OH ZIPs carry a price-cycle phase; Lake, OH ZIPs by phase (Lake, OH), deepest drawdown first: peak, +3.8% YoY (Lake, OH): 44024, 44041, 44045, 44057, Lake, OH 44060, 44077, 44081, 44086, Lake, OH 44092, 44094, 44095.
Residential listings by Lake, OH ZIP
Lake, OH ZIPs with the most tracked Lake, OH residential listings: 44077 12 listings, 5 candidates, bank pressure 69; 44095 7 listings, 5 candidates, bank pressure 69; 44057 4 listings, 1 candidates, bank pressure 66; 44060 3 listings, 1 candidates, bank pressure 66 (Lake, OH); 44081 3 listings, 0 candidates, bank pressure 69; 44092 3 listings, 1 candidates, bank pressure 69; 44094 1 listings, 0 candidates, bank pressure 66; 44045 0 listings, 0 candidates, bank pressure 69. Lake, OH totals: 33 listings; Lake, OH candidates 13; active ZIPs 7.
HUD assisted housing in Lake, OH
11 assisted properties with 1,870 units sit in Lake, OH; largest Lake, OH properties: Pine Ridge Building G & H (Willoughby Hills) 595 units; Pine Ridge Bldg F (Willoughby Hills) 307 units; Pine Ridge A-E (Willoughby) 244 units in Lake, OH; Oak Hill Village Apts. (Willoughby) 182 units; Breckenridge Village (Willoughby) 150 units, 125 assisted; Seneca Grove Apartments (Painesville) 132 units, 132 assisted.
Lenders with branches in Lake, OH
Lake, OH lenders by branch count: Jpmorgan Chase Bank Na (Lake, OH): stress 65, 8 branches low in Lake, OH; Huntington National Bank (Lake, OH): stress 63, 7 branches low in Lake, OH; Keybank National Assn (Lake, OH): stress 65, 6 branches low in Lake, OH; Fifth Third Bank Na (Lake, OH): stress 62, 4 branches low in Lake, OH; U S Bank National Assn (Lake, OH): stress 67, 3 branches low in Lake, OH; First Fs&La Of Lakewood (Lake, OH): stress 86, 1 branch low in Lake, OH; Andover Bank (Lake, OH): stress 85, 1 branch moderate in Lake, OH; Third Fs&La Of Cleveland (Lake, OH): stress 79, 1 branch low in Lake, OH.
Vacancy and permits, Lake, OH
5,187 of 106,331 Lake, OH housing units are vacant; Lake, OH permits, twelve months: 15 multifamily units in Lake, OH, 401 one-to-four unit units.
Work Lake, OH at the parcel level
Every Lake, OH parcel carries owner and address; every Lake, OH parcel carries APN; Lake, OH distress scores sit on the Lake, OH live board.
Lake, OH figures refresh with each source.
Lake, OH questions
Most distressed ZIP code in Lake County, OH?
ZIP 44045 leads Lake, OH at 23/100; next in Lake, OH: 44077 at 23/100; the Lake, OH average is 21/100.
Where does Lake County, OH rank for investment opportunity?
Lake, OH is #2,103 among all ranked counties, #31 in Ohio; the Lake, OH driver is bank institutional; Lake, OH moved up 524 places.
How many mortgages are delinquent in Lake County, OH?
1.3% of Lake, OH mortgages were ninety-plus days late in December 2025; the Lake, OH peak since 2008 was 3.7%.
Which banks lend in Lake County, OH?
8 watched lenders hold Lake, OH branches; the largest Lake, OH footprints are Jpmorgan Chase Bank Na (8), Huntington National Bank (7), Keybank National Assn (6).
More on Lake, OH
Lake County, OH distress report: public-record figures for Lake, OH; not legal advice for Lake, OH; not tax or investment advice; verify every Lake, OH record before acting.