ZIP 44039 Foreclosure, Tax-Lien & Distress Report

In Lorain County, Ohio, ZIP 44039 scores 19 of 100 for composite distress, a low level on DLRadar's public-record index. Environmental exposure also runs high (climate & FEMA risk (87/100), flood (NFIP) exposure (70/100)). Property-level stress concentrates in 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. Structural exposure scores 42 and live distress 2 on the 0–100 scale.

The peak-phase market in 44039 posted values that rose 3.8% over the year, and 29% higher over three years, at 33/100 phase confidence. Topping markets hide individual distress behind strong averages.

Vacancy runs 3.6%. DLRadar's demographic-stress index for the area reads 21/100. The ZIP holds roughly 14,632 housing units. The tenure split is 90% owner-occupied to 10% rented. Roughly 4.8% live below the poverty line, a low share typical of higher-equity areas. At $94,128, median income runs above typical U.S. levels. Home values center near $269,900, an affordability ratio of 2.7× — accessible. Around 35% of adults hold a bachelor's degree or higher. Population is roughly 36,235 with a median age of 41. Around 23% of renters are cost-burdened.

Overall 44039 looks resilient on the surface, so the edge is isolating individual stressed parcels. No parcel file is published for 44039 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

The 44039 read uses the identical public-record model applied coast to coast, which means its 19/100 score means exactly what it means anywhere else, and 44039 stays directly comparable to neighboring ZIPs and the rest of Lorain County, Ohio. Nothing here is interpolated — where a source is thin for 44039, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

The 19/100 figure for 44039 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. For an operator, 44039 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.