ZIP 45814 Foreclosure, Tax-Lien & Distress Report

In Hancock County, Ohio, ZIP 45814 scores 19 of 100 for composite distress, a low level on DLRadar's public-record index. On the structural side it scores 45/100, with 2/100 of stress already active. Climate and flood risk are elevated too — flood (NFIP) exposure (75/100), climate & FEMA risk (64/100). Its heaviest discrete signals: structural risk (45/100), construction/permit lag (44/100), institutional ownership (17/100). 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 to public records.

The 45814 read uses the identical public-record model applied coast to coast, which means its 19/100 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 19/100 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.