Ottawa County, OH Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Ottawa County, OH distress report, 2026: 20 ZIPs scored in Ottawa, OH, Ottawa, OH average 16/100; the top Ottawa, OH ZIP is 43412 at 23/100; Ottawa, OH market phase expansion, Ottawa, OH prices +5.9% year over year.
- Ottawa, OH ranks #2,348 nationally (opportunity index); Ottawa, OH #38 in Ohio; Ottawa, OH index 26.5.
- Ottawa, OH: no CFPB county sample; Ottawa, OH metro area reading 0.9%.
- Ottawa, OH ZIP phases: 15 expansion, 5 peak.
- Ottawa, OH residential listings tracked: 7 across 15 ZIPs; Ottawa, OH candidate listings 5.
- Ottawa, OH HUD assisted properties: 7 with 237 units.
- Ottawa, OH lenders on watch: 8; largest Ottawa, OH footprint Genoa Banking Co (3 branches).
- Ottawa, OH most distressed ZIP: 43412 at 23/100.
Ottawa, OH figures: DLRadar distress index; Ottawa, OH inputs: CFPB, FHFA, HUD, FDIC; Ottawa, OH rebuilt as sources refresh.
| Rank | Ottawa, OH ZIP | Score |
|---|---|---|
| 1 | 43412 | 23/100 |
| 2 | 43447 | 21/100 |
| 3 | 43420 | 18/100 |
| 4 | 43445 | 18/100 |
| 5 | 43442 | 17/100 |
| 6 | 43469 | 17/100 |
| 7 | 43430 | 16/100 |
| 8 | 43408 | 15/100 |
| 9 | 43416 | 15/100 |
| 10 | 43432 | 15/100 |
| 11 | 43433 | 15/100 |
| 12 | 43436 | 15/100 |
Most distressed Ottawa, OH ZIPs (0-100, 2026)
Mortgage delinquency around Ottawa, OH
No CFPB county sample covers Ottawa, OH; the metro area reading for Ottawa, OH (Sandusky, OH): 0.9% ninety-plus; Ottawa, OH area thirty-to-eighty-nine 2.3% (December 2025, Ottawa, OH); Ohio overall 1.0%.
Opportunity index: Ottawa, OH
Ottawa, OH index 26.5, Ottawa, OH phase weak; Ottawa, OH primary driver vacancy, Ottawa, OH second driver bank institutional. Ottawa, OH components: property stress 20.9, foreclosure pressure 19.1, listing discounts 18.6, bank stress 61.1, insurance 0.0; Ottawa, OH pulse 31.3; Ottawa, OH capital opportunity 19.4.
ZIP market phases inside Ottawa, OH
20 Ottawa, OH ZIPs carry a price-cycle phase; Ottawa, OH ZIPs by phase (Ottawa, OH), deepest drawdown first: expansion, +5.9% YoY (Ottawa, OH): 43408, 43432, 43433, 43436, Ottawa, OH 43439, 43440, 43446, 43452; peak, +4.1% YoY (Ottawa, OH): 43412; expansion, +5.6% YoY (Ottawa, OH): 43416; peak, +3.9% YoY (Ottawa, OH): 43420; expansion, +5.3% YoY (Ottawa, OH): 43430; peak, +4.0% YoY (Ottawa, OH): 43442; expansion, +5.4% YoY (Ottawa, OH): 43445; peak, +3.8% YoY (Ottawa, OH): 43447; expansion, +5.8% YoY (Ottawa, OH): 43449.
Residential listings by Ottawa, OH ZIP
Ottawa, OH ZIPs with the most tracked Ottawa, OH residential listings: 43449 3 listings, 3 candidates, bank pressure 67; 43432 2 listings, 1 candidates, bank pressure 66; 43452 2 listings, 1 candidates, bank pressure 66; 43408 0 listings, 0 candidates, bank pressure 66 (Ottawa, OH); 43416 0 listings, 0 candidates, bank pressure 67; 43430 0 listings, 0 candidates, bank pressure 66; 43433 0 listings, 0 candidates, bank pressure 66; 43436 0 listings, 0 candidates, bank pressure 66. Ottawa, OH totals: 7 listings; Ottawa, OH candidates 5; active ZIPs 0.
HUD assisted housing in Ottawa, OH
7 assisted properties with 237 units sit in Ottawa, OH; largest Ottawa, OH properties: Lakeview Estates (Port Clinton) 105 units, 105 assisted; Perry's Glen (Port Clinton) 60 units, 60 assisted; Lutheran Housing Services #13 (Oak Harbor) 24 units, 24 assisted in Ottawa, OH; Covenant Harbor (Oak Harbor) 14 units, 14 assisted; Mercy Outreach Ministries Ii (Williston) 12 units, 12 assisted; Mercy Outreach Ministries Iii (Oak Harbor) 12 units, 12 assisted.
Lenders with branches in Ottawa, OH
Ottawa, OH lenders by branch count: Genoa Banking Co (Ottawa, OH): stress 83, 3 branches low in Ottawa, OH; First Nb Of Bellevue (Ottawa, OH): stress 78, 3 branches low in Ottawa, OH; Croghan Colonial Bank (Ottawa, OH): stress 67, 3 branches low in Ottawa, OH; State Bank&Trust Co (Ottawa, OH): stress 66, 3 branches low in Ottawa, OH; Huntington National Bank (Ottawa, OH): stress 63, 2 branches low in Ottawa, OH; First Fs&La Of Lorain (Ottawa, OH): stress 91, 1 branch low in Ottawa, OH; U S Bank National Assn (Ottawa, OH): stress 67, 1 branch low in Ottawa, OH; Keybank National Assn (Ottawa, OH): stress 65, 1 branch low in Ottawa, OH.
Vacancy and permits, Ottawa, OH
10,407 of 28,911 Ottawa, OH housing units are vacant; Ottawa, OH permits, twelve months: 24 multifamily units in Ottawa, OH, 173 one-to-four unit units.
Work Ottawa, OH at the parcel level
Every Ottawa, OH parcel carries owner and address; every Ottawa, OH parcel carries APN; Ottawa, OH distress scores sit on the Ottawa, OH live board.
Ottawa, OH figures refresh with each source.
Ottawa, OH questions
Most distressed ZIP code in Ottawa County, OH?
ZIP 43412 leads Ottawa, OH at 23/100; next in Ottawa, OH: 43447 at 21/100; the Ottawa, OH average is 16/100.
Where does Ottawa County, OH rank for investment opportunity?
Ottawa, OH is #2,348 among all ranked counties, #38 in Ohio; the Ottawa, OH driver is vacancy; Ottawa, OH moved down 341 places.
How many mortgages are delinquent in Ottawa County, OH?
Ottawa, OH takes the metro area reading of 0.9% for December 2025; no CFPB county sample covers Ottawa, OH.
Which banks lend in Ottawa County, OH?
8 watched lenders hold Ottawa, OH branches; the largest Ottawa, OH footprints are Genoa Banking Co (3), First Nb Of Bellevue (3), Croghan Colonial Bank (3).
More on Ottawa, OH
Ottawa County, OH distress report: public-record figures for Ottawa, OH; not legal advice for Ottawa, OH; not tax or investment advice; verify every Ottawa, OH record before acting.