ZIP 45388 Foreclosure, Tax-Lien & Distress Report

ZIP code 45388 in Darke County, Ohio carries a composite property-distress score of 15/100 — a low reading on DLRadar's deterministic public-record index. Its standout signals are construction/permit lag (52/100), structural risk (33/100), institutional ownership (5/100). On the quiet end sit institutional ownership (5/100) and mortgage stress (3/100). On the structural side it scores 33/100, with 1/100 of stress already active.

The market reads peak — home values rose 3.9% year on year, at 28/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Owners hold 84% of homes, renters 16%. Median household income is $88,750, above the U.S. median near $78,000. Vacancy runs 1.8%. Educational attainment sits at 13% bachelor's-or-above. The ZIP holds roughly 253 housing units. Rent burden reaches 0% of tenant households. Population is roughly 727 with a median age of 32. 7.3% of residents fall below the poverty threshold. Home values center near $324,700, an affordability ratio of 3.2× — accessible. The demographic-stress sub-score lands at 23/100.

Overall 45388 looks resilient on the surface, so the edge is isolating individual stressed parcels. There is no property file for 45388 at the moment; the composite and its components are still built from verifiable public records.

The number is not local guesswork: 45388's 15/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. Nothing here is interpolated — where a source is thin for 45388, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

The 15/100 figure for 45388 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. In workflow terms, 45388 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.