ZIP 44012 Property Distress & Foreclosure Data

ZIP code 44012 in Lorain County, Ohio carries a composite property-distress score of 23/100 — a low reading on DLRadar's deterministic public-record index. It additionally carries heavy environmental risk: climate & FEMA risk (87/100), flood (NFIP) exposure (70/100). On the structural side it scores 51/100, with 2/100 of stress already active. What sets it apart are the readings on structural risk (51/100), construction/permit lag (45/100), institutional ownership (16/100). By contrast, institutional ownership (16/100) and mortgage stress (7/100) register low.

The market reads expansion — home values rose 5.9% year on year, and 23% higher over three years (phase confidence 36/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

Median household income is $110,174, above the U.S. median near $78,000. About 25,456 people live here, median age 44. 3.9% of residents fall below the poverty threshold. The ZIP holds roughly 11,289 housing units. Educational attainment sits at 54% bachelor's-or-above. Owners hold 82% of homes, renters 18%. Around 28% of renters are cost-burdened. DLRadar's demographic-stress index for the area reads 21/100. Home values center near $368,300, an affordability ratio of 3.1× — accessible. The vacancy rate is 3.8%.

Overall 44012 looks resilient on the surface, so the edge is isolating individual stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.