ZIP 45862 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 45862 (Mercer County, Ohio) returns a minimal composite of 12/100. On the structural side it scores 26/100, with 1/100 of stress already active. The pressure is most legible in construction/permit lag (51/100), structural risk (26/100), mortgage stress (3/100). On the quiet end sit mortgage stress (3/100) and institutional ownership (3/100).

The market reads peak — home values rose 3.9% year on year, and 23% higher over three years (phase confidence 28/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

At $38,281, median income runs below typical U.S. levels. The demographic-stress sub-score lands at 25/100. Vacancy runs 3.8%. Rent burden reaches 20% of tenant households. Home values center near $108,200, an affordability ratio of 2.9× — accessible. About 10% have a four-year degree. The ZIP holds roughly 668 housing units. 1,182 residents call 45862 home, typically aged 47. 13.5% of residents fall below the poverty threshold. 84% of housing is owner-occupied.

Net-net, 45862 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. There is no property file for 45862 at the moment; the composite and its components are still built from verifiable public records.

The 45862 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 45862 stays directly comparable to neighboring ZIPs and the rest of Mercer County, Ohio. The score is rebuilt from public data as it updates, so 45862 reflects the current record instead of a stale or modeled snapshot.

The 12/100 figure for 45862 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. The point of the 45862 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.