ZIP 44109 Foreclosure, Tax-Lien & Distress Report

Cuyahoga County, Ohio's ZIP 44109 registers 21/100 composite distress, which DLRadar reads as low. Environmental exposure also runs high (climate & FEMA risk (98/100), flood (NFIP) exposure (87/100)). Its standout signals are structural risk (46/100), institutional ownership (20/100), mortgage stress (9/100). On the quiet end sit institutional ownership (20/100) and mortgage stress (9/100). The latent-versus-live split is 46/100 structural and 3/100 already moving.

Prices here sit in a peak phase: values rose 3.8% over the trailing year, and 25% higher over three years, at 33/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

The ZIP holds roughly 19,976 housing units. Median household income is $43,130, below the U.S. median near $78,000. 38,098 residents call 44109 home, typically aged 36. Around 42% of renters are cost-burdened. Owners hold 48% of homes, renters 52%. DLRadar's demographic-stress index for the area reads 34/100. Home values center near $122,200, an affordability ratio of 2.6× — accessible. Roughly 23.3% live below the poverty line, elevated and often tied to deferred-maintenance inventory. Vacancy runs 16.0%, above the national norm and a classic distress-and-opportunity signal. About 17% have a four-year degree.

On the whole, 44109 leans distressed, with opportunity clustered in specific stressed parcels. No parcel file is published for 44109 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

Big metro or rural, 44109 runs through one identical public-record model, so its 21/100 sits on the same scale as every other ZIP in Cuyahoga County, Ohio and the nation. Every figure is auditable to a public dataset and refreshed on ingest; 44109 shows blanks, not estimates, wherever the record is sparse.

Each component behind 44109 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 21/100 roll-up. The point of the 44109 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.