ZIP 43432 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 43432 (Ottawa County, Ohio) returns a minimal composite of 14/100. On the structural side it scores 31/100, with 4/100 of stress already active. The pressure is most legible in structural risk (31/100), institutional ownership (14/100), mortgage stress (12/100). By contrast, mortgage stress (12/100) and construction/permit lag (1/100) register low. Environmental exposure also runs high (flood (NFIP) exposure (62/100), climate & FEMA risk (61/100)).

The market reads expansion — home values rose 5.9% year on year, and 24% higher over three years, at 53/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

Population is roughly 1,272 with a median age of 49. Vacancy runs 8.1%. The poverty rate is 0.0% — low. The demographic-stress sub-score lands at 28/100. The tenure split is 97% owner-occupied to 3% rented. There are about 564 housing units across 43432. Home values center near $244,700, an affordability ratio of 1.5× — accessible. Rent burden reaches 100% of tenant households. Around 28% of adults hold a bachelor's degree or higher. Households earn a median $146,579 — above the roughly $78,000 national figure.

Overall 43432 looks resilient on the surface, so the edge is isolating individual stressed parcels. While 43432 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

Whether 43432 runs hot or quiet, its 14/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 43432 can be compared directly against any other ZIP in Ottawa County, Ohio or nationwide. Sparse data for 43432 shows as blanks, never estimates, and the score updates on every fresh public filing.

The 14/100 figure for 43432 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. Practically, 43432 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.