ZIP 45863 Foreclosure, Tax-Lien & Distress Report

Van Wert County, Ohio's ZIP 45863 registers 5/100 composite distress, which DLRadar reads as minimal. Its heaviest discrete signals: structural risk (10/100), construction/permit lag (9/100), mortgage stress (3/100). On the quiet end sit mortgage stress (3/100) and institutional ownership (3/100). Structural exposure scores 10 and live distress 1 on the 0–100 scale.

The peak-phase market in 45863 posted values that rose 3.9% over the year, and 50% higher over three years, at 28/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

About 1,388 people live here, median age 38. A median home runs $115,400 here, or 2.0 times local income. About 11% have a four-year degree. The ZIP holds roughly 565 housing units. The vacancy rate is 14.8% — elevated. The poverty rate is 9.6%. 92% of housing is owner-occupied. Rent burden reaches 37% of tenant households. Households earn a median $62,841 — below the roughly $78,000 national figure. DLRadar's demographic-stress index for the area reads 25/100.

Taken together, 45863 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. While 45863 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

Whether 45863 runs hot or quiet, its 5/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 45863 can be compared directly against any other ZIP in Van Wert County, Ohio or nationwide. The score is rebuilt from public data as it updates, so 45863 reflects the current record instead of a stale or modeled snapshot.

45863's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. Practically, 45863 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.