ZIP 45814 Foreclosure, Tax-Lien & Distress Report
Hancock County, Ohio · Distress market
In Hancock County, Ohio, ZIP 45814 scores 15 of 100 for composite distress, a low level on DLRadar's distress index. On the structural side it scores 34/100, with 2/100 of stress already active. Climate and flood risk are elevated too — flood (NFIP) exposure (73/100), climate & FEMA risk (64/100). Its heaviest discrete signals: structural risk (34/100), institutional ownership (17/100), mortgage stress (7/100). By contrast, institutional ownership (17/100) and mortgage stress (7/100) register low.
The market reads peak — home values rose 3.9% year on year, and 1% lower over three years, at 28/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.
2,580 residents call 45814 home, typically aged 44. Rent burden reaches 16% of tenant households. The ZIP holds roughly 1,089 housing units. Educational attainment sits at 26% bachelor's-or-above. A median home runs $207,000 here, or 2.4 times local income. On demographic stress specifically, 45814 scores 20/100. Vacancy runs 7.8%. The poverty rate is 1.9% — low. The tenure split is 82% owner-occupied to 18% rented. At $86,477, median income runs near typical U.S. levels.
Broadly, 45814 is a steadier market — the deals are the exceptions, not the rule. Parcel-level detail for 45814 is not published yet -- the ZIP-level readings above remain fully sourced.
The 45814 read uses the identical scoring model applied coast to coast, which means its 15/100 score means exactly what it means anywhere else, and 45814 stays directly comparable to neighboring ZIPs and the rest of Hancock County, Ohio. 45814 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.
The 15/100 figure for 45814 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. For an operator, 45814 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.
Signal-by-signal read on 45814
Tax arrears, institutional buyers, insurance load, flood exposure, stalled construction, dislocated pricing and auction velocity — together with the 0 individual distressed properties are listed in full, with owner, address, APN, per-parcel score and exit-velocity read.
The 45814 distress snapshot
Real-time distress, cycle phase, housing and bank-stress readings for 45814, the same set carried on every parcel.
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Unlock parcel-level detail for ZIP 45814
Get every distressed property in 45814 with owner, address, APN, per-property distress score, bank exposure, exit-velocity read and a one-click path to owner and lender records. Nationwide, refreshed continuously.
No modelling: every input is a public record · methodology