ZIP 45331 Foreclosure, Tax-Lien & Distress Report
Darke County, Ohio · Affordable market
ZIP code 45331 in Darke County, Ohio carries a composite property-distress score of 15/100 — a low reading on DLRadar's deterministic distress index. What sets it apart are the readings on construction/permit lag (48/100), 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 15/100 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.
What is driving ZIP 45331’s distress
Delinquent tax, institutional holdings, insurance strain, flood/NFIP exposure, build-out lag, price dislocation and auction pace — along with the 0 individual distressed properties are broken out by owner, address, APN, per-property score and exit read inside DLRadar.
45331 at a glance
45331 live: composite distress, market phase, housing detail and lender pressure, identical to the per-property report.
Other Darke County ZIP codes
Nearest ZIP codes to 45331
By straight-line distance between ZIP centers — the surrounding market, whichever county or state line it crosses.
Keep exploring Ohio distress
Other reports tied to Darke County, Ohio — ZIP, county and statewide.
The complete 45331 distress and acquisition report
See who owns each distressed property in 45331, where it is, its APN and score, the bank behind it and how fast it should exit — then open its owner and lender records in one click. Continuously refreshed, nationwide.
Each signal above is traceable to an open dataset · methodology