ZIP 45860 Foreclosure, Tax-Lien & Distress Report

In Mercer County, Ohio, ZIP 45860 scores 12 of 100 for composite distress, a minimal level on DLRadar's public-record index. The latent-versus-live split is 26/100 structural and 1/100 already moving. The most distinctive pressure shows up in construction/permit lag (49/100), structural risk (26/100), mortgage stress (3/100). mortgage stress (3/100) and institutional ownership (3/100) stay muted.

Prices here sit in a peak phase: values rose 3.9% over the trailing year, and 15% higher over three years (phase confidence 28/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Median household income is $110,652, above the U.S. median near $78,000. On demographic stress specifically, 45860 scores 18/100. Roughly 0.0% live below the poverty line, a low share typical of higher-equity areas. There are about 740 housing units across 45860. A median home runs $296,000 here, or 2.7 times local income. 88% of housing is owner-occupied. Around 0% of renters are cost-burdened. The vacancy rate is 0.0%. Around 25% of adults hold a bachelor's degree or higher. Population is roughly 2,437 with a median age of 35.

On balance, 45860 reads as a higher-equity, stable market where distress is selective and worth pinpointing parcel by parcel. No parcel file is published for 45860 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

The 45860 read uses the identical public-record model applied coast to coast, which means its 12/100 score means exactly what it means anywhere else, and 45860 stays directly comparable to neighboring ZIPs and the rest of Mercer County, Ohio. Where the public record is thin for 45860, the field stays empty rather than modeled, and fills in as new documents post.

The 12/100 figure for 45860 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. Treat 45860 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.