ZIP 45103 Foreclosure, Tax-Lien & Distress Report

In Clermont County, Ohio, ZIP 45103 scores 18 of 100 for composite distress, a low level on DLRadar's public-record index. Property-level stress concentrates in structural risk (41/100), institutional ownership (20/100), mortgage stress (8/100). By contrast, institutional ownership (20/100) and mortgage stress (8/100) register low. Climate and flood risk are elevated too — flood (NFIP) exposure (88/100), climate & FEMA risk (80/100). Structurally it carries 41/100, against 2/100 of stress already in motion.

Prices here sit in a peak phase: values rose 3.5% over the trailing year, and 22% higher over three years (phase confidence 24/100). Topping markets hide individual distress behind strong averages.

Median household income is $81,837, near the U.S. median near $78,000. Around 20% of renters are cost-burdened. Vacancy runs 3.5%. Educational attainment sits at 27% bachelor's-or-above. The poverty rate is 10.4%. The demographic-stress sub-score lands at 26/100. Home values center near $264,200, an affordability ratio of 3.0× — accessible. There are about 14,887 housing units across 45103. About 36,788 people live here, median age 37. The tenure split is 67% owner-occupied to 33% rented.

On balance, 45103 reads as a higher-equity, stable market where distress is selective and worth pinpointing parcel by parcel. While 45103 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

The 45103 read uses the identical public-record model applied coast to coast, which means its 18/100 score means exactly what it means anywhere else, and 45103 stays directly comparable to neighboring ZIPs and the rest of Clermont County, Ohio. Where the public record is thin for 45103, the field stays empty rather than modeled, and fills in as new documents post.

The 18/100 figure for 45103 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, 45103 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.