ZIP 45346 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 45346 (Darke County, Ohio) returns a minimal composite of 14/100. Its heaviest discrete signals: 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 45346 posted values that rose 3.9% over the year, and 31% higher over three years, at 28/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

About 2,022 people live here, median age 48. The tenure split is 74% owner-occupied to 26% rented. A median home runs $161,300 here, or 2.0 times local income. Vacancy runs 5.7%. The poverty rate is 7.1% — low. Around 18% of adults hold a bachelor's degree or higher. On demographic stress specifically, 45346 scores 23/100. There are about 755 housing units across 45346. Around 23% of renters are cost-burdened. Households earn a median $81,076 — near the roughly $78,000 national figure.

On balance, 45346 reads as a higher-equity, stable market where distress is selective and worth pinpointing parcel by parcel. No parcel file is published for 45346 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

The number is not local guesswork: 45346's 14/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. Sparse data for 45346 shows as blanks, never estimates, and the score updates on every fresh public filing.

45346's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. The point of the 45346 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.