ZIP 45040 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 45040 (Warren County, Ohio) at a low 21/100 for overall property distress. Its standout signals are structural risk (46/100), construction/permit lag (37/100), institutional ownership (15/100). On the quiet end sit institutional ownership (15/100) and mortgage stress (6/100). Structural exposure scores 46 and live distress 2 on the 0–100 scale. Climate and flood risk are elevated too — climate & FEMA risk (82/100), flood (NFIP) exposure (63/100).

The peak-phase market in 45040 posted values that rose 3.5% over the year, and 30% higher over three years, at 24/100 phase confidence. Topping markets hide individual distress behind strong averages.

Vacancy runs 3.0%. DLRadar's demographic-stress index for the area reads 19/100. 4.6% of residents fall below the poverty threshold. 79% of housing is owner-occupied. Rent burden reaches 16% of tenant households. Educational attainment sits at 65% bachelor's-or-above. Households earn a median $131,803 — above the roughly $78,000 national figure. Population is roughly 58,132 with a median age of 41. The ZIP holds roughly 22,719 housing units. Home values center near $440,000, an affordability ratio of 3.1× — accessible.

Broadly, 45040 is a steadier market — the deals are the exceptions, not the rule. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

Whether 45040 runs hot or quiet, its 21/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 45040 can be compared directly against any other ZIP in Warren County, Ohio or nationwide. The score is rebuilt from public data as it updates, so 45040 reflects the current record instead of a stale or modeled snapshot.

45040's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. The point of the 45040 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.