ZIP 45039 Foreclosure, Tax-Lien & Distress Report

On DLRadar's 0-100 public-record scale, ZIP 45039 in Warren County, Ohio comes in at 21, a low composite-distress reading. Property-level stress concentrates in structural risk (46/100), construction/permit lag (37/100), institutional ownership (15/100). institutional ownership (15/100) and mortgage stress (6/100) stay muted. Structural risk reads 46/100 against active distress of 2/100. Environmental exposure also runs high (climate & FEMA risk (82/100), flood (NFIP) exposure (63/100)).

Prices here sit in a peak phase: values rose 3.5% over the trailing year, and 21% higher over three years, at 24/100 phase confidence. Topping markets hide individual distress behind strong averages.

Owners hold 85% of homes, renters 15%. The vacancy rate is 3.8%. On demographic stress specifically, 45039 scores 22/100. There are about 11,401 housing units across 45039. Median household income is $111,774, above the U.S. median near $78,000. About 52% have a four-year degree. The poverty rate is 3.8% — low. The typical home is worth about $327,200 (2.6× income, relatively affordable). Rent burden reaches 41% of tenant households. 28,958 residents call 45039 home, typically aged 40.

Overall 45039 looks resilient on the surface, so the edge is isolating individual stressed parcels. 45039 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

No ZIP is too small to score: 45039 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. 45039 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

The 21/100 for 45039 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. For an operator, 45039 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.