ZIP 45831 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 45831 (Putnam County, Ohio) returns a minimal composite of 14/100. Structural exposure scores 32 and live distress 1 on the 0–100 scale. The sharpest non-environmental signals are construction/permit lag (76/100), structural risk (32/100), institutional ownership (3/100). By contrast, institutional ownership (3/100) and mortgage stress (2/100) register low.

The market reads expansion — home values rose 5.9% year on year, and 8% higher over three years, at 34/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

DLRadar's demographic-stress index for the area reads 20/100. The poverty rate is 12.8%. Rent burden reaches 0% of tenant households. Educational attainment sits at 13% bachelor's-or-above. Households earn a median $74,801 — near the roughly $78,000 national figure. 3,566 residents call 45831 home, typically aged 43. Vacancy runs 5.7%. Home values center near $168,000, an affordability ratio of 2.1× — accessible. There are about 1,420 housing units across 45831. 92% of housing is owner-occupied.

Overall, 45831 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. There is no property file for 45831 at the moment; the composite and its components are still built from verifiable public records.

No ZIP is too small to score: 45831 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 14/100 composite is a like-for-like number rather than an isolated estimate. Where the public record is thin for 45831, the field stays empty rather than modeled, and fills in as new documents post.

The 14/100 figure for 45831 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. In workflow terms, 45831 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.