ZIP 45820 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 45820 (Allen County, Ohio) at a low 17/100 for overall property distress. Property-level stress concentrates in construction/permit lag (56/100), structural risk (37/100), mortgage stress (3/100). mortgage stress (3/100) and institutional ownership (3/100) stay muted. The split runs 37/100 structural to 1/100 active on the ground. It additionally carries heavy environmental risk: climate & FEMA risk (74/100).

The market reads expansion — home values rose 11.0% year on year (phase confidence 100/100). Even climbing markets leave specific parcels in distress; the scoring isolates them.

Median household income is $79,643, near the U.S. median near $78,000. The ZIP holds roughly 239 housing units. Rent burden reaches 0% of tenant households. Educational attainment sits at 17% bachelor's-or-above. Roughly 5.8% live below the poverty line, a low share typical of higher-equity areas. 600 residents call 45820 home, typically aged 35. Owners hold 83% of homes, renters 17%. A median home runs $114,500 here, or 1.4 times local income. The demographic-stress sub-score lands at 17/100. The vacancy rate is 10.3%.

Broadly, 45820 is a steadier market — the deals are the exceptions, not the rule. No parcel file is published for 45820 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

The 45820 read uses the identical public-record model applied coast to coast, which means its 17/100 score means exactly what it means anywhere else, and 45820 stays directly comparable to neighboring ZIPs and the rest of Allen County, Ohio. Where the public record is thin for 45820, the field stays empty rather than modeled, and fills in as new documents post.

45820's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. In workflow terms, 45820 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.