ZIP 45309 Foreclosure, Tax-Lien & Distress Report
Montgomery County, Ohio · Distress market
On DLRadar's 0-100 distress scale, ZIP 45309 in Montgomery County, Ohio comes in at 23, a low composite-distress reading. Leading the profile are structural risk (53/100), construction/permit lag (43/100), institutional ownership (17/100). On the quiet end sit institutional ownership (17/100) and mortgage stress (8/100). It additionally carries heavy environmental risk: climate & FEMA risk (91/100), flood (NFIP) exposure (76/100). Structural exposure scores 53 and live distress 2 on the 0–100 scale.
The peak-phase market in 45309 posted values that rose 4.6% over the year, and 17% higher over three years (phase confidence 27/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.
Households earn a median $72,570 — near the roughly $78,000 national figure. There are about 4,990 housing units across 45309. The tenure split is 73% owner-occupied to 27% rented. About 22% have a four-year degree. Around 27% of renters are cost-burdened. The typical home is worth about $214,700 (2.7× income, relatively affordable). DLRadar's demographic-stress index for the area reads 25/100. About 11,905 people live here, median age 45. The poverty rate is 5.7% — low. The vacancy rate is 5.7%.
On balance 45309 is mixed, rewarding parcel-by-parcel screening over broad assumptions. 45309 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.
The 45309 read uses the identical scoring model applied coast to coast, which means its 23/100 score means exactly what it means anywhere else, and 45309 stays directly comparable to neighboring ZIPs and the rest of Montgomery County, Ohio. 45309 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.
The 23/100 for 45309 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. In workflow terms, 45309 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.
Distress signal breakdown — ZIP 45309
Delinquent tax, institutional holdings, insurance strain, flood/NFIP exposure, build-out lag, price dislocation and auction pace — along with the 0 individual distressed properties (owner, address, APN, per-property score and exit read) are in the full DLRadar report.
Snapshot: 45309 by the numbers
Current distress, phase, housing and lender-pressure figures for 45309, drawn from the same report attached to each property.
Nearby ZIPs in Montgomery County
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By straight-line distance between ZIP centers — the surrounding market, whichever county or state line it crosses.
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See every distressed parcel in 45309
Open 45309 parcel by parcel: owner, address, APN, individual distress score, lender exposure, exit-velocity estimate, and owner and lender records in a single click. Updated continuously across the country.
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