ZIP 45846 Foreclosure, Tax-Lien & Distress Report
Mercer County, Ohio · Distress market
Composite property distress in 45846 (Mercer County, Ohio) lands at 12/100 — minimal on DLRadar's public-record scoring. Latent structural risk is 27/100 while live distress already moving reads 1/100. What sets it apart are the readings on construction/permit lag (49/100), structural risk (27/100), mortgage stress (3/100). On the quiet end sit mortgage stress (3/100) and institutional ownership (3/100).
Prices here sit in a peak phase: values rose 3.9% over the trailing year, and 16% higher over three years (phase confidence 28/100). Topping markets hide individual distress behind strong averages.
At $92,273, median income runs above typical U.S. levels. Roughly 3.9% live below the poverty line, a low share typical of higher-equity areas. Around 19% of renters are cost-burdened. The ZIP holds roughly 1,685 housing units. 4,763 residents call 45846 home, typically aged 38. About 20% have a four-year degree. 90% of housing is owner-occupied. DLRadar's demographic-stress index for the area reads 22/100. A median home runs $249,400 here, or 2.7 times local income. The vacancy rate is 3.2%.
On balance, 45846 reads as a higher-equity, stable market where distress is selective and worth pinpointing parcel by parcel. While 45846 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.
Big metro or rural, 45846 runs through one identical public-record model, so its 12/100 sits on the same scale as every other ZIP in Mercer County, Ohio and the nation. Sparse data for 45846 shows as blanks, never estimates, and the score updates on every fresh public filing.
45846's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. For an operator, 45846 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.
ZIP 45846 distress signals, scored
Delinquent tax, institutional holdings, insurance strain, flood/NFIP exposure, build-out lag, price dislocation and auction pace — along with the 0 individual distressed properties (owner, address, APN, per-property score and exit read) are in the full DLRadar report.
ZIP 45846 Stress Report snapshot
A live read on 45846: distress, market phase, housing and bank pressure — identical to the report behind every parcel.
Adjacent Mercer County ZIP reports
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See every distressed parcel in 45846
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Rules-based scoring — each signal ties to a public dataset · methodology