ZIP 45645 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 45645 (Lawrence County, Ohio) at a low 20/100 for overall property distress. Environmental exposure also runs high (flood (NFIP) exposure (74/100), climate & FEMA risk (71/100)). The pressure is most legible in structural risk (45/100), construction/permit lag (38/100), institutional ownership (17/100). By contrast, institutional ownership (17/100) and mortgage stress (9/100) register low. The latent-versus-live split is 45/100 structural and 3/100 already moving.

The market reads expansion — home values rose 7.3% year on year (phase confidence 37/100). Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

The typical home is worth about $99,800 (1.6× income, relatively affordable). Households earn a median $53,056 — below the roughly $78,000 national figure. Vacancy runs 11.8%, above the national norm and a classic distress-and-opportunity signal. Owners hold 93% of homes, renters 7%. Around 12% of renters are cost-burdened. The poverty rate is 28.8% — high, a tax-stress and distress correlate. 2,709 residents call 45645 home, typically aged 45. The ZIP holds roughly 1,157 housing units. DLRadar's demographic-stress index for the area reads 24/100. Educational attainment sits at 12% bachelor's-or-above.

Net-net, 45645 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Parcel-level detail for 45645 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

Whether 45645 runs hot or quiet, its 20/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 45645 can be compared directly against any other ZIP in Lawrence County, Ohio or nationwide. Where the public record is thin for 45645, the field stays empty rather than modeled, and fills in as new documents post.

The 20/100 figure for 45645 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. For a buyer, 45645 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.