ZIP 45806 Foreclosure, Tax-Lien & Distress Report

In Allen County, Ohio, ZIP 45806 scores 16 of 100 for composite distress, a low level on DLRadar's public-record index. Property-level stress concentrates in construction/permit lag (57/100), structural risk (35/100), mortgage stress (3/100). On the quiet end sit mortgage stress (3/100) and institutional ownership (3/100). Environmental exposure also runs high (climate & FEMA risk (68/100)). Structural risk reads 35/100 against active distress of 1/100.

Prices here sit in a expansion phase: values rose 9.5% over the trailing year, and 14% higher over three years (phase confidence 89/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

Owners hold 80% of homes, renters 20%. Vacancy runs 5.3%. Rent burden reaches 41% of tenant households. Around 26% of adults hold a bachelor's degree or higher. There are about 4,639 housing units across 45806. About 10,978 people live here, median age 43. Roughly 7.5% live below the poverty line. The demographic-stress sub-score lands at 25/100. At $82,160, median income runs near typical U.S. levels. The typical home is worth about $212,400 (2.3× income, relatively affordable).

On balance, 45806 reads as a higher-equity, stable market where distress is selective and worth pinpointing parcel by parcel. Parcel-level detail for 45806 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

Big metro or rural, 45806 runs through one identical public-record model, so its 16/100 sits on the same scale as every other ZIP in Allen County, Ohio and the nation. Where the public record is thin for 45806, the field stays empty rather than modeled, and fills in as new documents post.

The 16/100 figure for 45806 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 45806 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.