ZIP 45638 Foreclosure, Tax-Lien & Distress Report
Lawrence County, Ohio · High Vacancy market
On DLRadar's 0-100 public-record scale, ZIP 45638 in Lawrence County, Ohio comes in at 20, a low composite-distress reading. Environmental exposure also runs high (flood (NFIP) exposure (74/100), climate & FEMA risk (71/100)). Leading the profile are structural risk (44/100), construction/permit lag (35/100), institutional ownership (17/100). On the quiet end sit institutional ownership (17/100) and mortgage stress (9/100). Latent structural risk is 44/100 while live distress already moving reads 3/100.
The market reads expansion — home values rose 6.9% year on year, and 16% higher over three years (phase confidence 36/100). Even climbing markets leave specific parcels in distress; the scoring isolates them.
Owners hold 68% of homes, renters 32%. Vacancy runs 13.7%, above the national norm and a classic distress-and-opportunity signal. There are about 9,216 housing units across 45638. About 16% have a four-year degree. 19,921 residents call 45638 home, typically aged 40. Rent burden reaches 38% of tenant households. Households earn a median $49,544 — below the roughly $78,000 national figure. The demographic-stress sub-score lands at 30/100. A median home runs $119,000 here, or 2.4 times local income. 19.6% of residents fall below the poverty threshold.
Net-net, 45638 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. No parcel file is published for 45638 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.
No ZIP is too small to score: 45638 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 20/100 composite is a like-for-like number rather than an isolated estimate. Every figure is auditable to a public dataset and refreshed on ingest; 45638 shows blanks, not estimates, wherever the record is sparse.
Each component behind 45638 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 20/100 roll-up. In workflow terms, 45638 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.
Distress signal breakdown — ZIP 45638
Unpaid tax, corporate ownership share, insurance cost pressure, NFIP flood risk, construction slowdown, price gaps and auction turnover — plus the 0 individual distressed properties — each with owner, address, APN, its own distress score and an exit read — are in the full report.
Snapshot: 45638 by the numbers
The live 45638 panel — distress score, market phase, housing and bank pressure — as attached to every individual property.
Lawrence County ZIPs near 45638
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See every distressed parcel in 45638
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Built from public records, scored the same way everywhere · methodology