ZIP 45854 Property Distress & Foreclosure Data

ZIP code 45854 in Allen County, Ohio carries a composite property-distress score of 11/100 — a minimal reading on DLRadar's deterministic public-record index. It additionally carries heavy environmental risk: climate & FEMA risk (74/100). What sets it apart are the readings on structural risk (23/100), mortgage stress (3/100), institutional ownership (3/100). By contrast, mortgage stress (3/100) and institutional ownership (3/100) register low. Structural risk reads 23/100 against active distress of 1/100.

The market reads expansion — home values rose 7.1% year on year, 1.2% off the recent peak, at 53/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

Vacancy runs 13.3%, above the national norm and a classic distress-and-opportunity signal. Owners hold 66% of homes, renters 34%. Home values center near $121,300, an affordability ratio of 2.5× — accessible. 7.8% of residents fall below the poverty threshold. Median household income is $49,653, below the U.S. median near $78,000. DLRadar's demographic-stress index for the area reads 26/100. There are about 138 housing units across 45854. Educational attainment sits at 7% bachelor's-or-above. About 339 people live here, median age 32. Rent burden reaches 20% of tenant households.

Net-net, 45854 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.