ZIP 45804 Property Distress & Foreclosure Data

ZIP code 45804 in Allen County, Ohio carries a composite property-distress score of 11/100 — a minimal reading on DLRadar's deterministic public-record index. What sets it apart are the readings on structural risk (23/100), mortgage stress (3/100), institutional ownership (3/100). On the quiet end sit mortgage stress (3/100) and institutional ownership (3/100). Environmental exposure also runs high (climate & FEMA risk (74/100)). The latent-versus-live split is 23/100 structural and 1/100 already moving.

The expansion-phase market in 45804 posted values that rose 7.1% over the year, 1.2% off the recent peak, and 28% higher over three years (phase confidence 53/100). Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

The tenure split is 57% owner-occupied to 43% rented. Roughly 26.1% live below the poverty line, elevated and often tied to deferred-maintenance inventory. A median home runs $99,600 here, or 2.3 times local income. The vacancy rate is 16.5% — elevated. Households earn a median $42,594 — below the roughly $78,000 national figure. About 11% have a four-year degree. On demographic stress specifically, 45804 scores 32/100. Population is roughly 14,197 with a median age of 41. Around 33% of renters are cost-burdened. The ZIP holds roughly 6,943 housing units.

On the whole, 45804 leans distressed, with opportunity clustered in specific stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.