ZIP 45810 Foreclosure, Tax-Lien & Distress Report

In Hardin County, Ohio, ZIP 45810 scores 7 of 100 for composite distress, a minimal level on DLRadar's public-record index. The sharpest non-environmental signals are structural risk (16/100), construction/permit lag (9/100), institutional ownership (4/100). On the quiet end sit institutional ownership (4/100) and mortgage stress (3/100). Latent structural risk is 16/100 while live distress already moving reads 1/100.

The market reads expansion — home values rose 6.1% year on year, and 31% higher over three years (phase confidence 33/100). Even climbing markets leave specific parcels in distress; the scoring isolates them.

The tenure split is 65% owner-occupied to 35% rented. Median household income is $59,065, below the U.S. median near $78,000. About 7,345 people live here, median age 24. Around 44% of renters are cost-burdened. A median home runs $167,900 here, or 2.7 times local income. The vacancy rate is 12.0% — elevated. The demographic-stress sub-score lands at 30/100. The ZIP holds roughly 2,830 housing units. About 32% have a four-year degree. 15.9% of residents fall below the poverty threshold.

On balance 45810 is mixed, rewarding parcel-by-parcel screening over broad assumptions. 45810 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

Because one deterministic model scores every ZIP, 45810's 7/100 can be lined up against any neighbor in Hardin County, Ohio or any ZIP coast to coast. Every figure is auditable to a public dataset and refreshed on ingest; 45810 shows blanks, not estimates, wherever the record is sparse.

45810's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. Practically, 45810 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.