ZIP 45861 Foreclosure, Tax-Lien & Distress Report

ZIP 45861's composite property-distress score is 6/100 - DLRadar classes that as minimal for Paulding County, Ohio. What sets it apart are the readings on construction/permit lag (21/100), structural risk (13/100), mortgage stress (3/100). By contrast, mortgage stress (3/100) and institutional ownership (3/100) register low. Structural exposure scores 13 and live distress 1 on the 0–100 scale.

The market reads expansion — home values rose 6.0% year on year, at 34/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

The typical home is worth about $122,200 (1.2× income, relatively affordable). The ZIP holds roughly 162 housing units. Population is roughly 367 with a median age of 32. Around 7% of adults hold a bachelor's degree or higher. Owners hold 93% of homes, renters 7%. Households earn a median $90,565 — above the roughly $78,000 national figure. Vacancy runs 17.6%, above the national norm and a classic distress-and-opportunity signal. The poverty rate is 12.8%. DLRadar's demographic-stress index for the area reads 19/100. Rent burden reaches 0% of tenant households.

Taken together, 45861 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Parcel-level detail for 45861 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

No ZIP is too small to score: 45861 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 6/100 composite is a like-for-like number rather than an isolated estimate. Where the public record is thin for 45861, the field stays empty rather than modeled, and fills in as new documents post.

The 6/100 for 45861 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. In workflow terms, 45861 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.