ZIP 45812 Foreclosure, Tax-Lien & Distress Report
Hardin County, Ohio · High Poverty market
On DLRadar's 0-100 public-record scale, ZIP 45812 in Hardin County, Ohio comes in at 5, a minimal composite-distress reading. The pressure is most legible in structural risk (10/100), mortgage stress (3/100), institutional ownership (3/100). On the quiet end sit mortgage stress (3/100) and institutional ownership (3/100). The split runs 10/100 structural to 1/100 active on the ground.
The market reads expansion — home values rose 6.1% year on year, at 34/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.
1,938 residents call 45812 home, typically aged 30. Owners hold 70% of homes, renters 30%. The ZIP holds roughly 836 housing units. Vacancy runs 11.4%, above the national norm and a classic distress-and-opportunity signal. The typical home is worth about $137,100 (2.9× income, relatively affordable). Rent burden reaches 25% of tenant households. On demographic stress specifically, 45812 scores 32/100. At $41,230, median income runs below typical U.S. levels. The poverty rate is 29.0% — high, a tax-stress and distress correlate. About 11% have a four-year degree.
Net-net, 45812 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Parcel-level detail for 45812 is not published yet -- the ZIP-level readings above remain fully sourced to public records.
Because one deterministic model scores every ZIP, 45812's 5/100 can be lined up against any neighbor in Hardin County, Ohio or any ZIP coast to coast. Where the public record is thin for 45812, the field stays empty rather than modeled, and fills in as new documents post.
45812's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. Treat 45812 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.
Distress signal breakdown — ZIP 45812
Tax arrears, institutional buyers, insurance load, flood exposure, stalled construction, dislocated pricing and auction velocity — together with the 0 individual distressed properties — each with owner, address, APN, its own distress score and an exit read — are in the full report.
Snapshot: 45812 by the numbers
The live 45812 panel — distress score, market phase, housing and bank pressure — as attached to every individual property.
Hardin County ZIPs near 45812
Related reports across Hardin County, Ohio
Further distress data across Hardin County, Ohio at ZIP, county and state level.
See every distressed parcel in 45812
See who owns each distressed property in 45812, where it is, its APN and score, the bank behind it and how fast it should exit — then fund and close it in one click. Continuously refreshed, nationwide.
Deterministic scoring, sourced entirely from public data · methodology