ZIP 45816 Foreclosure, Tax-Lien & Distress Report

Scored on a fixed 0-100 scale, 45816 (Hancock County, Ohio) returns a low composite of 15/100. It additionally carries heavy environmental risk: flood (NFIP) exposure (73/100), climate & FEMA risk (64/100). What sets it apart are the readings on structural risk (34/100), institutional ownership (17/100), mortgage stress (7/100). institutional ownership (17/100) and mortgage stress (7/100) stay muted. Structural exposure scores 34 and live distress 2 on the 0–100 scale.

Prices here sit in a peak phase: values rose 3.9% over the trailing year (phase confidence 28/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Vacancy runs 0.8%. Educational attainment sits at 22% bachelor's-or-above. The ZIP holds roughly 152 housing units. The demographic-stress sub-score lands at 15/100. The typical home is worth about $125,700 (1.6× income, relatively affordable). Roughly 5.8% live below the poverty line, a low share typical of higher-equity areas. The tenure split is 90% owner-occupied to 10% rented. Around 0% of renters are cost-burdened. About 309 people live here, median age 40. Households earn a median $77,614 — near the roughly $78,000 national figure.

Overall, 45816 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. There is no property file for 45816 at the moment; the composite and its components are still built from verifiable records.

Whether 45816 runs hot or quiet, its 15/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 45816 can be compared directly against any other ZIP in Hancock County, Ohio or nationwide. The score is rebuilt from public data as it updates, so 45816 reflects the current record instead of a stale or modeled snapshot.

The 15/100 figure for 45816 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, 45816 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.