ZIP 44004 Foreclosure, Tax-Lien & Distress Report

Ashtabula County, Ohio's ZIP 44004 registers 20/100 composite distress, which DLRadar reads as low. Climate and flood risk are elevated too — flood (NFIP) exposure (74/100), climate & FEMA risk (61/100). What sets it apart are the readings on construction/permit lag (54/100), structural risk (46/100), institutional ownership (17/100). On the quiet end sit institutional ownership (17/100) and mortgage stress (9/100). Structural risk reads 46/100 against active distress of 3/100.

The peak-phase market in 44004 posted values that rose 3.8% over the year, and 24% higher over three years, at 33/100 phase confidence. Topping markets hide individual distress behind strong averages.

Population is roughly 31,076 with a median age of 43. Vacancy runs 13.9%, above the national norm and a classic distress-and-opportunity signal. Owners hold 67% of homes, renters 33%. Households earn a median $49,507 — below the roughly $78,000 national figure. 23.2% of residents fall below the poverty threshold. On demographic stress specifically, 44004 scores 32/100. The typical home is worth about $127,700 (2.4× income, relatively affordable). Around 43% of renters are cost-burdened. There are about 15,655 housing units across 44004. About 16% have a four-year degree.

Net-net, 44004 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. 44004 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

Whether 44004 runs hot or quiet, its 20/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 44004 can be compared directly against any other ZIP in Ashtabula County, Ohio or nationwide. Every figure is auditable to a public dataset and refreshed on ingest; 44004 shows blanks, not estimates, wherever the record is sparse.

Each component behind 44004 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 20/100 roll-up. Practically, 44004 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.