ZIP 45050 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 45050 (Butler County, Ohio) lands at 24/100 — low on DLRadar's public-record scoring. Climate and flood risk are elevated too — climate & FEMA risk (90/100), flood (NFIP) exposure (77/100). Property-level stress concentrates in structural risk (55/100), construction/permit lag (53/100), institutional ownership (17/100). On the quiet end sit institutional ownership (17/100) and mortgage stress (4/100). Structurally it carries 55/100, against 1/100 of stress already in motion.

The market reads peak — home values rose 3.5% year on year, and 24% higher over three years, at 24/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

The vacancy rate is 0.8%. The tenure split is 75% owner-occupied to 25% rented. About 12,162 people live here, median age 36. There are about 4,288 housing units across 45050. DLRadar's demographic-stress index for the area reads 23/100. Median household income is $104,519, above the U.S. median near $78,000. The typical home is worth about $293,100 (2.6× income, relatively affordable). The poverty rate is 4.1% — low. Around 42% of adults hold a bachelor's degree or higher. Rent burden reaches 33% of tenant households.

Overall 45050 looks resilient on the surface, so the edge is isolating individual stressed parcels. There is no property file for 45050 at the moment; the composite and its components are still built from verifiable public records.

Whether 45050 runs hot or quiet, its 24/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 45050 can be compared directly against any other ZIP in Butler County, Ohio or nationwide. Where the public record is thin for 45050, the field stays empty rather than modeled, and fills in as new documents post.

45050's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. Treat 45050 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.