ZIP 45828 Foreclosure, Tax-Lien & Distress Report

In Mercer County, Ohio, ZIP 45828 scores 12 of 100 for composite distress, a minimal level on DLRadar's public-record index. Structural exposure scores 26 and live distress 1 on the 0–100 scale. Property-level stress concentrates in construction/permit lag (49/100), structural risk (26/100), mortgage stress (3/100). mortgage stress (3/100) and institutional ownership (3/100) stay muted.

The peak-phase market in 45828 posted values that rose 3.9% over the year, and 17% higher over three years (phase confidence 28/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Owners hold 78% of homes, renters 22%. The demographic-stress sub-score lands at 22/100. Households earn a median $77,857 — near the roughly $78,000 national figure. Rent burden reaches 14% of tenant households. The vacancy rate is 0.0%. Around 27% of adults hold a bachelor's degree or higher. The poverty rate is 3.5% — low. A median home runs $252,100 here, or 3.0 times local income. 6,343 residents call 45828 home, typically aged 32. There are about 2,281 housing units across 45828.

Net-net, 45828 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

No ZIP is too small to score: 45828 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 12/100 composite is a like-for-like number rather than an isolated estimate. Every figure is auditable to a public dataset and refreshed on ingest; 45828 shows blanks, not estimates, wherever the record is sparse.

The 12/100 figure for 45828 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. Treat 45828 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.