ZIP 44028 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 44028 (Lorain County, Ohio) returns a low composite of 19/100. Structurally it carries 42/100, against 2/100 of stress already in motion. It additionally carries heavy environmental risk: climate & FEMA risk (87/100), flood (NFIP) exposure (70/100). Leading the profile are structural risk (42/100), institutional ownership (16/100), construction/permit lag (11/100). By contrast, construction/permit lag (11/100) and mortgage stress (7/100) register low.

Prices here sit in a peak phase: values rose 3.8% over the trailing year, and 17% higher over three years (phase confidence 33/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Home values center near $331,700, an affordability ratio of 3.6× — accessible. Around 55% of renters are cost-burdened. Vacancy runs 3.2%. There are about 4,080 housing units across 44028. Owners hold 91% of homes, renters 9%. Median household income is $86,991, near the U.S. median near $78,000. Population is roughly 9,313 with a median age of 48. DLRadar's demographic-stress index for the area reads 29/100. The poverty rate is 9.0%. Around 32% of adults hold a bachelor's degree or higher.

Overall 44028 looks resilient on the surface, so the edge is isolating individual stressed parcels. No parcel file is published for 44028 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

No ZIP is too small to score: 44028 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 19/100 composite is a like-for-like number rather than an isolated estimate. Every figure is auditable to a public dataset and refreshed on ingest; 44028 shows blanks, not estimates, wherever the record is sparse.

Behind 44028's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. The point of the 44028 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.