ZIP 45809 Foreclosure, Tax-Lien & Distress Report

Allen County, Ohio's ZIP 45809 registers 16/100 composite distress, which DLRadar reads as low. On the structural side it scores 34/100, with 0/100 of stress already active. It additionally carries heavy environmental risk: climate & FEMA risk (74/100). Its heaviest discrete signals: construction/permit lag (46/100), structural risk (34/100), institutional ownership (3/100). structural risk (34/100) and institutional ownership (3/100) stay muted.

Prices here sit in a expansion phase: values rose 11.0% over the trailing year, at 100/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

About 69 people live here, median age 50. The poverty rate is 17.4% — high, a tax-stress and distress correlate. About 8% have a four-year degree. 91% of housing is owner-occupied. Vacancy runs 45.0%, above the national norm and a classic distress-and-opportunity signal. There are about 37 housing units across 45809. A median home runs $154,200 here. The demographic-stress sub-score lands at 63/100.

Net-net, 45809 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. No parcel file is published for 45809 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

No ZIP is too small to score: 45809 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 16/100 composite is a like-for-like number rather than an isolated estimate. Where the record is thin for 45809, the field stays empty rather than modeled, and fills in as new documents post.

Each component behind 45809 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 16/100 roll-up. In workflow terms, 45809 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.