ZIP 45850 Foreclosure, Tax-Lien & Distress Report

ZIP code 45850 in Allen County, Ohio carries a composite property-distress score of 15/100 — a low reading on DLRadar's deterministic public-record index. Environmental exposure also runs high (climate & FEMA risk (66/100)). The sharpest non-environmental signals are construction/permit lag (53/100), structural risk (34/100), mortgage stress (3/100). mortgage stress (3/100) and institutional ownership (3/100) stay muted. On the structural side it scores 34/100, with 1/100 of stress already active.

The market reads expansion — home values rose 9.9% year on year, and 34% higher over three years (phase confidence 94/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

3,763 residents call 45850 home, typically aged 35. The vacancy rate is 7.3%. Home values center near $193,900, an affordability ratio of 2.2× — accessible. DLRadar's demographic-stress index for the area reads 23/100. Rent burden reaches 29% of tenant households. Households earn a median $82,454 — near the roughly $78,000 national figure. Owners hold 90% of homes, renters 10%. The poverty rate is 5.1% — low. There are about 1,455 housing units across 45850. Educational attainment sits at 14% bachelor's-or-above.

Overall 45850 looks resilient on the surface, so the edge is isolating individual stressed parcels. While 45850 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

Whether 45850 runs hot or quiet, its 15/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 45850 can be compared directly against any other ZIP in Allen County, Ohio or nationwide. Nothing here is interpolated — where a source is thin for 45850, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

The 15/100 figure for 45850 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. For an operator, 45850 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.