ZIP 44055 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 44055 (Lorain County, Ohio) lands at 19/100 — low on DLRadar's public-record scoring. On the structural side it scores 42/100, with 2/100 of stress already active. It additionally carries heavy environmental risk: climate & FEMA risk (87/100), flood (NFIP) exposure (70/100). What sets it apart are the readings on 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 29% higher over three years (phase confidence 33/100). Topping markets hide individual distress behind strong averages.

The tenure split is 53% owner-occupied to 47% rented. Home values center near $101,400, an affordability ratio of 2.6× — accessible. The ZIP holds roughly 9,244 housing units. About 10% have a four-year degree. About 19,870 people live here, median age 39. The poverty rate is 31.9% — high, a tax-stress and distress correlate. Around 47% of renters are cost-burdened. At $36,603, median income runs below typical U.S. levels. The vacancy rate is 11.0%. The demographic-stress sub-score lands at 37/100.

On the whole, 44055 leans distressed, with opportunity clustered in specific stressed parcels. No parcel file is published for 44055 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

Big metro or rural, 44055 runs through one identical public-record model, so its 19/100 sits on the same scale as every other ZIP in Lorain County, Ohio and the nation. Where the public record is thin for 44055, the field stays empty rather than modeled, and fills in as new documents post.

The 19/100 figure for 44055 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. Treat 44055 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.