ZIP 45817 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 45817 (Allen County, Ohio) at a low 18/100 for overall property distress. Its heaviest discrete signals: construction/permit lag (48/100), structural risk (40/100), institutional ownership (9/100). By contrast, institutional ownership (9/100) and mortgage stress (5/100) register low. Structural risk reads 40/100 against active distress of 1/100. Environmental exposure also runs high (climate & FEMA risk (68/100)).

Prices here sit in a expansion phase: values rose 7.5% over the trailing year, and 21% higher over three years (phase confidence 61/100). Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

Roughly 1.7% live below the poverty line, a low share typical of higher-equity areas. On demographic stress specifically, 45817 scores 23/100. The vacancy rate is 5.7%. Rent burden reaches 46% of tenant households. The tenure split is 82% owner-occupied to 18% rented. There are about 2,543 housing units across 45817. Median household income is $82,784, near the U.S. median near $78,000. A median home runs $210,100 here, or 2.4 times local income. Around 36% of adults hold a bachelor's degree or higher. About 5,820 people live here, median age 44.

Overall 45817 looks resilient on the surface, so the edge is isolating individual stressed parcels. Parcel-level detail for 45817 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

The 45817 read uses the identical public-record model applied coast to coast, which means its 18/100 score means exactly what it means anywhere else, and 45817 stays directly comparable to neighboring ZIPs and the rest of Allen County, Ohio. Sparse data for 45817 shows as blanks, never estimates, and the score updates on every fresh public filing.

Each component behind 45817 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 18/100 roll-up. For an operator, 45817 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.