ZIP 45864 Foreclosure, Tax-Lien & Distress Report

Putnam County, Ohio's ZIP 45864 registers 15/100 composite distress, which DLRadar reads as low. Latent structural risk is 34/100 while live distress already moving reads 1/100. Property-level stress concentrates in construction/permit lag (75/100), structural risk (34/100), institutional ownership (5/100). By contrast, institutional ownership (5/100) and mortgage stress (2/100) register low.

Prices here sit in a expansion phase: values rose 6.0% over the trailing year, at 34/100 phase confidence. Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

Population is roughly 185 with a median age of 39. The tenure split is 87% owner-occupied to 13% rented. Households earn a median $76,250 — near the roughly $78,000 national figure. Around 31% of adults hold a bachelor's degree or higher. A median home runs $162,500 here, or 2.1 times local income. On demographic stress specifically, 45864 scores 31/100. 3.2% of residents fall below the poverty threshold. There are about 100 housing units across 45864. Vacancy runs 3.8%.

On balance 45864 is mixed, rewarding parcel-by-parcel screening over broad assumptions. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

Big metro or rural, 45864 runs through one identical scoring model, so its 15/100 sits on the same scale as every other ZIP in Putnam County, Ohio and the nation. Where the record is thin for 45864, the field stays empty rather than modeled, and fills in as new documents post.

Each component behind 45864 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 15/100 roll-up. For a buyer, 45864 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.