ZIP 45205 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 45205 (Hamilton County, Ohio) lands at 21/100 — low on DLRadar's public-record scoring. Latent structural risk is 47/100 while live distress already moving reads 3/100. Its heaviest discrete signals: structural risk (47/100), institutional ownership (21/100), mortgage stress (9/100). institutional ownership (21/100) and mortgage stress (9/100) stay muted. It additionally carries heavy environmental risk: climate & FEMA risk (96/100), flood (NFIP) exposure (95/100).

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

Owners hold 39% of homes, renters 61%. At $41,357, median income runs below typical U.S. levels. 18,615 residents call 45205 home, typically aged 33. On demographic stress specifically, 45205 scores 36/100. Home values center near $127,900, an affordability ratio of 2.7× — accessible. The vacancy rate is 11.0%. 29.3% of residents fall below the poverty threshold. Around 17% of adults hold a bachelor's degree or higher. There are about 7,964 housing units across 45205. Rent burden reaches 35% of tenant households.

Net-net, 45205 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. While 45205 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

Whether 45205 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 45205 can be compared directly against any other ZIP in Hamilton County, Ohio or nationwide. Where the public record is thin for 45205, the field stays empty rather than modeled, and fills in as new documents post.

45205'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. The point of the 45205 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.