ZIP 45209 Foreclosure, Tax-Lien & Distress Report

ZIP code 45209 in Hamilton County, Ohio carries a composite property-distress score of 21/100 — a low reading on DLRadar's deterministic public-record index. Latent structural risk is 47/100 while live distress already moving reads 3/100. It additionally carries heavy environmental risk: climate & FEMA risk (96/100), flood (NFIP) exposure (95/100). Leading the profile are structural risk (47/100), institutional ownership (21/100), mortgage stress (9/100). By contrast, institutional ownership (21/100) and mortgage stress (9/100) register low.

The peak-phase market in 45209 posted values that rose 3.5% over the year, and 19% higher over three years (phase confidence 24/100). Topping markets hide individual distress behind strong averages.

The ZIP holds roughly 6,572 housing units. Households earn a median $87,841 — above the roughly $78,000 national figure. 38% of housing is owner-occupied. Educational attainment sits at 75% bachelor's-or-above. The typical home is worth about $400,700 (4.4× income). Rent burden reaches 19% of tenant households. Vacancy runs 6.8%. Roughly 7.2% live below the poverty line, a low share typical of higher-equity areas. Population is roughly 10,772 with a median age of 32. On demographic stress specifically, 45209 scores 27/100.

Overall 45209 looks resilient on the surface, so the edge is isolating individual stressed parcels. There is no property file for 45209 at the moment; the composite and its components are still built from verifiable public records.

No ZIP is too small to score: 45209 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 21/100 composite is a like-for-like number rather than an isolated estimate. Where the public record is thin for 45209, the field stays empty rather than modeled, and fills in as new documents post.

45209's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. Practically, 45209 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.