ZIP 45821 Foreclosure, Tax-Lien & Distress Report

Paulding County, Ohio's ZIP 45821 registers 6/100 composite distress, which DLRadar reads as minimal. Property-level stress concentrates in construction/permit lag (21/100), structural risk (13/100), mortgage stress (3/100). By contrast, mortgage stress (3/100) and institutional ownership (3/100) register low. On the structural side it scores 13/100, with 1/100 of stress already active.

The expansion-phase market in 45821 posted values that rose 5.9% over the year, and 4% higher over three years (phase confidence 34/100). Even climbing markets leave specific parcels in distress; the scoring isolates them.

A median home runs $118,100 here, or 1.5 times local income. DLRadar's demographic-stress index for the area reads 25/100. The ZIP holds roughly 347 housing units. 5.6% of residents fall below the poverty threshold. About 710 people live here, median age 50. The vacancy rate is 6.0%. Rent burden reaches 60% of tenant households. Around 12% of adults hold a bachelor's degree or higher. The tenure split is 93% owner-occupied to 7% rented. At $84,091, median income runs near typical U.S. levels.

Broadly, 45821 is a steadier market — the deals are the exceptions, not the rule. Parcel-level detail for 45821 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

The 45821 read uses the identical public-record model applied coast to coast, which means its 6/100 score means exactly what it means anywhere else, and 45821 stays directly comparable to neighboring ZIPs and the rest of Paulding County, Ohio. Every figure is auditable to a public dataset and refreshed on ingest; 45821 shows blanks, not estimates, wherever the record is sparse.

Behind 45821's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. The point of the 45821 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.