ZIP 45309 Foreclosure, Tax-Lien & Distress Report

On DLRadar's 0-100 public-record scale, ZIP 45309 in Montgomery County, Ohio comes in at 24, a low composite-distress reading. Leading the profile are structural risk (54/100), construction/permit lag (47/100), 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 54 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 public-record model applied coast to coast, which means its 24/100 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 24/100 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.