ZIP 45121 Property Distress & Foreclosure Data

DLRadar grades ZIP 45121 (Brown County, Ohio) at a low 19/100 for overall property distress. Property-level stress concentrates in structural risk (43/100), construction/permit lag (41/100), institutional ownership (17/100). institutional ownership (17/100) and mortgage stress (8/100) stay muted. The latent-versus-live split is 43/100 structural and 2/100 already moving. Climate and flood risk are elevated too — flood (NFIP) exposure (77/100), climate & FEMA risk (60/100).

Prices here sit in a peak phase: values rose 4.5% over the trailing year, and 32% higher over three years (phase confidence 33/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

The ZIP holds roughly 4,044 housing units. The demographic-stress sub-score lands at 30/100. At $57,274, median income runs below typical U.S. levels. Around 19% of adults hold a bachelor's degree or higher. Around 38% of renters are cost-burdened. 8,931 residents call 45121 home, typically aged 45. The poverty rate is 21.4% — high, a tax-stress and distress correlate. 74% of housing is owner-occupied. The typical home is worth about $164,600 (2.6× income, relatively affordable). The vacancy rate is 10.0%.

Taken together, 45121 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.