ZIP 44012 Foreclosure, Tax-Lien & Distress Report

Lorain County, Ohio's ZIP 44012 registers 19/100 composite distress, which DLRadar reads as low. It additionally carries heavy environmental risk: climate & FEMA risk (87/100), flood (NFIP) exposure (70/100). Structurally it carries 42/100, against 2/100 of stress already in motion. Its standout signals are structural risk (42/100), institutional ownership (16/100), construction/permit lag (11/100). construction/permit lag (11/100) and mortgage stress (7/100) stay muted.

Prices here sit in a peak phase: values rose 3.8% over the trailing year, and 23% higher over three years, at 33/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

At $110,174, median income runs above typical U.S. levels. 25,456 residents call 44012 home, typically aged 44. Roughly 3.9% live below the poverty line, a low share typical of higher-equity areas. The ZIP holds roughly 11,289 housing units. About 54% have a four-year degree. Owners hold 82% of homes, renters 18%. Around 28% of renters are cost-burdened. The demographic-stress sub-score lands at 21/100. A median home runs $368,300 here, or 3.1 times local income. Vacancy runs 3.8%.

Broadly, 44012 is a steadier market — the deals are the exceptions, not the rule. There is no property file for 44012 at the moment; the composite and its components are still built from verifiable public records.

The number is not local guesswork: 44012's 19/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. Every figure is auditable to a public dataset and refreshed on ingest; 44012 shows blanks, not estimates, wherever the record is sparse.

The 19/100 for 44012 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. Practically, 44012 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.