ZIP 45365 Foreclosure, Tax-Lien & Distress Report

Shelby County, Ohio's ZIP 45365 registers 17/100 composite distress, which DLRadar reads as low. Structural exposure scores 38 and live distress 1 on the 0–100 scale. The pressure is most legible in construction/permit lag (83/100), structural risk (38/100), institutional ownership (3/100). On the quiet end sit institutional ownership (3/100) and mortgage stress (2/100).

Prices here sit in a peak phase: values rose 3.9% over the trailing year, and 19% higher over three years (phase confidence 28/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

The demographic-stress sub-score lands at 28/100. Rent burden reaches 31% of tenant households. About 19% have a four-year degree. 68% of housing is owner-occupied. The typical home is worth about $181,800 (2.6× income, relatively affordable). About 28,955 people live here, median age 42. 13.6% of residents fall below the poverty threshold. Vacancy runs 6.6%. At $66,044, median income runs below typical U.S. levels. There are about 12,817 housing units across 45365.

Overall, 45365 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. There is no property file for 45365 at the moment; the composite and its components are still built from verifiable public records.

No ZIP is too small to score: 45365 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 17/100 composite is a like-for-like number rather than an isolated estimate. Every figure is auditable to a public dataset and refreshed on ingest; 45365 shows blanks, not estimates, wherever the record is sparse.

45365's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. In workflow terms, 45365 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.