ZIP 45866 Foreclosure, Tax-Lien & Distress Report
Mercer County, Ohio · High Vacancy market
ZIP code 45866 in Mercer County, Ohio carries a composite property-distress score of 12/100 — a minimal reading on DLRadar's deterministic distress index. Structurally it carries 25/100, against 1/100 of stress already in motion. Property-level stress concentrates in construction/permit lag (47/100), structural risk (25/100), mortgage stress (3/100). mortgage stress (3/100) and institutional ownership (3/100) stay muted.
The market reads peak — home values rose 3.9% year on year (phase confidence 28/100). Topping markets hide individual distress behind strong averages.
Around 20% of renters are cost-burdened. Home values center near $110,900, an affordability ratio of 1.5× — accessible. 3.0% of residents fall below the poverty threshold. On demographic stress specifically, 45866 scores 20/100. Median household income is $73,750, near the U.S. median near $78,000. Around 24% of adults hold a bachelor's degree or higher. Vacancy runs 31.4%, above the national norm and a classic distress-and-opportunity signal. Owners hold 90% of homes, renters 10%. 100 residents call 45866 home, typically aged 57. The ZIP holds roughly 73 housing units.
Taken together, 45866 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. 45866 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.
Whether 45866 runs hot or quiet, its 12/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 45866 can be compared directly against any other ZIP in Mercer County, Ohio or nationwide. Every figure is auditable to a public dataset and refreshed as records update; 45866 shows blanks, not estimates, wherever the record is sparse.
The 12/100 figure for 45866 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. For a buyer, 45866 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.
Signal-by-signal read on 45866
Tax-delinquent parcels, institutional ownership, insurance strain, flood risk, construction lag, price dislocation and auction speed — plus the 0 individual distressed properties — each with owner, address, APN, its own distress score and an exit read — are in the full report.
ZIP 45866 Stress Report snapshot
Real-time distress, cycle phase, housing and bank-stress readings for 45866, the same set carried on every parcel.
Neighbouring ZIPs in Mercer County
Nearest ZIP codes to 45866
By straight-line distance between ZIP centers — the surrounding market, whichever county or state line it crosses.
More distress data near 45866
Other reports tied to Mercer County, Ohio — ZIP, county and statewide.
The complete 45866 distress and acquisition report
Get every distressed property in 45866 with owner, address, APN, per-property distress score, bank exposure, exit-velocity read and a one-click path to owner and lender records. Nationwide, refreshed continuously.
Each signal above is traceable to an open dataset · methodology