ZIP 45804 Foreclosure, Tax-Lien & Distress Report

ZIP 45804's composite property-distress score is 17/100 - DLRadar classes that as low for Allen County, Ohio. The most distinctive pressure shows up in construction/permit lag (56/100), structural risk (37/100), mortgage stress (3/100). mortgage stress (3/100) and institutional ownership (3/100) stay muted. It additionally carries heavy environmental risk: climate & FEMA risk (74/100). Structurally it carries 37/100, against 1/100 of stress already in motion.

The market reads expansion — home values rose 11.0% year on year, and 28% higher over three years (phase confidence 100/100). Even climbing markets leave specific parcels in distress; the scoring isolates them.

57% of housing is owner-occupied. Roughly 26.1% live below the poverty line, elevated and often tied to deferred-maintenance inventory. Home values center near $99,600, an affordability ratio of 2.3× — accessible. The vacancy rate is 16.5% — elevated. Households earn a median $42,594 — below the roughly $78,000 national figure. Educational attainment sits at 11% bachelor's-or-above. The demographic-stress sub-score lands at 32/100. About 14,197 people live here, median age 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. Parcel-level detail for 45804 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

Whether 45804 runs hot or quiet, its 17/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 45804 can be compared directly against any other ZIP in Allen County, Ohio or nationwide. Nothing here is interpolated — where a source is thin for 45804, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

The 17/100 figure for 45804 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. The point of the 45804 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.