ZIP 45831 Foreclosure, Tax-Lien & Distress Report

Scored on a fixed 0-100 scale, 45831 (Putnam County, Ohio) returns a low composite of 15/100. Structural exposure scores 34 and live distress 1 on the 0–100 scale. The sharpest non-environmental signals are construction/permit lag (73/100), structural risk (34/100), institutional ownership (5/100). By contrast, institutional ownership (5/100) 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 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 15/100 composite is a like-for-like number rather than an isolated estimate. Where the record is thin for 45831, the field stays empty rather than modeled, and fills in as new documents post.

The 15/100 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.