ZIP 45838 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 45838 (Van Wert County, Ohio) returns a minimal composite of 5/100. What sets it apart are the readings on structural risk (10/100), construction/permit lag (9/100), mortgage stress (3/100). By contrast, mortgage stress (3/100) and institutional ownership (3/100) register low. The latent-versus-live split is 10/100 structural and 1/100 already moving.

Prices here sit in a peak phase: values rose 3.9% over the trailing year, at 28/100 phase confidence. Topping markets hide individual distress behind strong averages.

71 residents call 45838 home, typically aged 43. The typical home is worth about $115,600 (1.3× income, relatively affordable). Roughly 2.8% live below the poverty line, a low share typical of higher-equity areas. At $88,553, median income runs above typical U.S. levels. The vacancy rate is 0.0%. DLRadar's demographic-stress index for the area reads 16/100. Owners hold 93% of homes, renters 7%. Around 0% of renters are cost-burdened. The ZIP holds roughly 27 housing units. Educational attainment sits at 0% bachelor's-or-above.

Broadly, 45838 is a steadier market — the deals are the exceptions, not the rule. 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: 45838 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 5/100 composite is a like-for-like number rather than an isolated estimate. The score is rebuilt from public data as it updates, so 45838 reflects the current record instead of a stale or modeled snapshot.

Each component behind 45838 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 5/100 roll-up. In workflow terms, 45838 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.