ZIP 45836 Foreclosure, Tax-Lien & Distress Report

On DLRadar's 0-100 public-record scale, ZIP 45836 in Hardin County, Ohio comes in at 5, a minimal composite-distress reading. The pressure is most legible in structural risk (11/100), mortgage stress (3/100), institutional ownership (3/100). mortgage stress (3/100) and institutional ownership (3/100) stay muted. Structural exposure scores 11 and live distress 1 on the 0–100 scale.

The expansion-phase market in 45836 posted values that rose 5.9% over the year, at 34/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

The typical home is worth about $119,700 (2.0× income, relatively affordable). Households earn a median $58,508 — below the roughly $78,000 national figure. Population is roughly 1,519 with a median age of 37. Around 9% of renters are cost-burdened. 77% of housing is owner-occupied. There are about 698 housing units across 45836. The vacancy rate is 4.2%. DLRadar's demographic-stress index for the area reads 23/100. Educational attainment sits at 14% bachelor's-or-above. 18.4% of residents fall below the poverty threshold.

On balance 45836 is mixed, rewarding parcel-by-parcel screening over broad assumptions. There is no property file for 45836 at the moment; the composite and its components are still built from verifiable public records.

Whether 45836 runs hot or quiet, its 5/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 45836 can be compared directly against any other ZIP in Hardin County, Ohio or nationwide. Where the public record is thin for 45836, the field stays empty rather than modeled, and fills in as new documents post.

Behind 45836'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. Treat 45836 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.