ZIP 45697 Foreclosure, Tax-Lien & Distress Report

ZIP code 45697 in Adams County, Ohio carries a composite property-distress score of 16/100 — a low reading on DLRadar's deterministic public-record index. The latent-versus-live split is 38/100 structural and 2/100 already moving. What sets it apart are the readings on construction/permit lag (48/100), structural risk (38/100), institutional ownership (14/100). institutional ownership (14/100) and mortgage stress (8/100) stay muted.

Prices here sit in a peak phase: values rose 4.7% over the trailing year, and 33% higher over three years (phase confidence 39/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

The typical home is worth about $205,900 (2.6× income, relatively affordable). Around 15% of renters are cost-burdened. At $75,075, median income runs near typical U.S. levels. The vacancy rate is 11.5% — elevated. The ZIP holds roughly 2,074 housing units. The demographic-stress sub-score lands at 24/100. Around 17% of adults hold a bachelor's degree or higher. 6,138 residents call 45697 home, typically aged 33. The poverty rate is 9.2%. 83% of housing is owner-occupied.

Overall, 45697 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.