ZIP 45122 Foreclosure, Tax-Lien & Distress Report

In Clermont County, Ohio, ZIP 45122 scores 19 of 100 for composite distress, a low level on DLRadar's public-record index. Environmental exposure also runs high (flood (NFIP) exposure (85/100), climate & FEMA risk (80/100)). The pressure is most legible in structural risk (41/100), institutional ownership (19/100), mortgage stress (7/100). mortgage stress (7/100) and construction/permit lag (4/100) stay muted. Latent structural risk is 41/100 while live distress already moving reads 2/100.

The peak-phase market in 45122 posted values that rose 3.5% over the year, and 22% higher over three years, at 24/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

The vacancy rate is 8.3%. The typical home is worth about $222,100 (2.5× income, relatively affordable). The tenure split is 85% owner-occupied to 15% rented. Around 14% of adults hold a bachelor's degree or higher. Roughly 8.9% live below the poverty line. Around 30% of renters are cost-burdened. There are about 4,537 housing units across 45122. The demographic-stress sub-score lands at 25/100. Population is roughly 11,195 with a median age of 43. Households earn a median $85,750 — near the roughly $78,000 national figure.

On balance, 45122 reads as a higher-equity, stable market where distress is selective and worth pinpointing parcel by parcel. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

Whether 45122 runs hot or quiet, its 19/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 45122 can be compared directly against any other ZIP in Clermont County, Ohio or nationwide. The score is rebuilt from public data as it updates, so 45122 reflects the current record instead of a stale or modeled snapshot.

Each component behind 45122 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 19/100 roll-up. The point of the 45122 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.