ZIP 45036 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 45036 (Warren County, Ohio) at a low 21/100 for overall property distress. Latent structural risk is 46/100 while live distress already moving reads 2/100. Environmental exposure also runs high (climate & FEMA risk (82/100), flood (NFIP) exposure (63/100)). Property-level stress concentrates in structural risk (46/100), construction/permit lag (37/100), institutional ownership (15/100). By contrast, institutional ownership (15/100) and mortgage stress (6/100) register low.

Prices here sit in a peak phase: values rose 3.5% over the trailing year, and 23% higher over three years (phase confidence 24/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Population is roughly 43,262 with a median age of 38. The ZIP holds roughly 15,198 housing units. DLRadar's demographic-stress index for the area reads 26/100. Rent burden reaches 33% of tenant households. Vacancy runs 5.8%. Around 32% of adults hold a bachelor's degree or higher. The tenure split is 75% owner-occupied to 25% rented. The poverty rate is 5.5% — low. Home values center near $352,200, an affordability ratio of 3.2× — accessible. Median household income is $97,944, above the U.S. median near $78,000.

On balance, 45036 reads as a higher-equity, stable market where distress is selective and worth pinpointing parcel by parcel. No parcel file is published for 45036 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

No ZIP is too small to score: 45036 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 21/100 composite is a like-for-like number rather than an isolated estimate. 45036 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

Each component behind 45036 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 21/100 roll-up. For a buyer, 45036 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.