ZIP 45304 Foreclosure, Tax-Lien & Distress Report

In Darke County, Ohio, ZIP 45304 scores 15 of 100 for composite distress, a low level on DLRadar's public-record index. Its standout signals are construction/permit lag (47/100), structural risk (32/100), institutional ownership (5/100). By contrast, institutional ownership (5/100) and mortgage stress (3/100) register low. Structurally it carries 32/100, against 1/100 of stress already in motion.

Prices here sit in a peak phase: values rose 4.0% over the trailing year, and 17% higher over three years (phase confidence 28/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

7,624 residents call 45304 home, typically aged 39. Around 21% of renters are cost-burdened. The typical home is worth about $190,200 (2.6× income, relatively affordable). DLRadar's demographic-stress index for the area reads 24/100. The tenure split is 81% owner-occupied to 19% rented. Households earn a median $72,014 — near the roughly $78,000 national figure. The vacancy rate is 3.7%. Educational attainment sits at 18% bachelor's-or-above. There are about 2,955 housing units across 45304. The poverty rate is 6.9% — low.

On balance 45304 is mixed, rewarding parcel-by-parcel screening over broad assumptions. While 45304 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

The number is not local guesswork: 45304's 15/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. Where the public record is thin for 45304, the field stays empty rather than modeled, and fills in as new documents post.

The 15/100 figure for 45304 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 a buyer, 45304 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.