ZIP 45331 Foreclosure, Tax-Lien & Distress Report

ZIP code 45331 in Darke County, Ohio carries a composite property-distress score of 14/100 — a minimal reading on DLRadar's deterministic public-record index. What sets it apart are the readings on construction/permit lag (46/100), structural risk (32/100), institutional ownership (5/100). On the quiet end sit institutional ownership (5/100) and mortgage stress (3/100). On the structural side it scores 32/100, with 1/100 of stress already active.

The peak-phase market in 45331 posted values that rose 3.9% over the year, and 26% higher over three years (phase confidence 28/100). Topping markets hide individual distress behind strong averages.

The ZIP holds roughly 10,540 housing units. The poverty rate is 13.1%. The tenure split is 65% owner-occupied to 35% rented. Rent burden reaches 31% of tenant households. Vacancy runs 5.4%. About 17% have a four-year degree. Population is roughly 22,298 with a median age of 43. Households earn a median $53,797 — below the roughly $78,000 national figure. A median home runs $166,200 here, or 3.0 times local income. DLRadar's demographic-stress index for the area reads 29/100.

Overall, 45331 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

Whether 45331 runs hot or quiet, its 14/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 45331 can be compared directly against any other ZIP in Darke County, Ohio or nationwide. Nothing here is interpolated — where a source is thin for 45331, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

Behind 45331'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. For a buyer, 45331 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.