ZIP 45856 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 45856 (Putnam County, Ohio) at a minimal 14/100 for overall property distress. The pressure is most legible in construction/permit lag (75/100), structural risk (32/100), institutional ownership (3/100). By contrast, institutional ownership (3/100) and mortgage stress (2/100) register low. The split runs 32/100 structural to 1/100 active on the ground.

Prices here sit in a expansion phase: values rose 5.9% over the trailing year, and 22% higher over three years, at 34/100 phase confidence. Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

The typical home is worth about $165,100 (1.9× income, relatively affordable). 8.9% of residents fall below the poverty threshold. Owners hold 81% of homes, renters 19%. Vacancy runs 5.0%. Population is roughly 5,290 with a median age of 35. Educational attainment sits at 23% bachelor's-or-above. DLRadar's demographic-stress index for the area reads 26/100. The ZIP holds roughly 1,971 housing units. Households earn a median $87,292 — near the roughly $78,000 national figure. Around 46% of renters are cost-burdened.

On balance, 45856 reads as a higher-equity, stable market where distress is selective and worth pinpointing parcel by parcel. 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: 45856's 14/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. Where the public record is thin for 45856, the field stays empty rather than modeled, and fills in as new documents post.

45856's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. The point of the 45856 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.