ZIP 45854 Foreclosure, Tax-Lien & Distress Report

ZIP 45854's composite property-distress score is 17/100 - DLRadar classes that as low for Allen County, Ohio. It additionally carries heavy environmental risk: climate & FEMA risk (74/100). What sets it apart are the readings on construction/permit lag (56/100), structural risk (37/100), mortgage stress (3/100). By contrast, mortgage stress (3/100) and institutional ownership (3/100) register low. The latent-versus-live split is 37/100 structural and 1/100 already moving.

Prices here sit in a expansion phase: values rose 11.0% over the trailing year, at 100/100 phase confidence. Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

Vacancy runs 13.3%, above the national norm and a classic distress-and-opportunity signal. 66% of housing is owner-occupied. The typical home is worth about $121,300 (2.5× income, relatively affordable). 7.8% of residents fall below the poverty threshold. Median household income is $49,653, below the U.S. median near $78,000. On demographic stress specifically, 45854 scores 26/100. The ZIP holds roughly 138 housing units. Educational attainment sits at 7% bachelor's-or-above. About 339 people live here, median age 32. Around 20% of renters are cost-burdened.

Taken together, 45854 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

The number is not local guesswork: 45854's 17/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. 45854 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

Each component behind 45854 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 17/100 roll-up. For an operator, 45854 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.