ZIP 45312 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 45312 (Miami County, Ohio) returns a low composite of 18/100. The sharpest non-environmental signals are structural risk (42/100), construction/permit lag (41/100), institutional ownership (14/100). By contrast, institutional ownership (14/100) and mortgage stress (6/100) register low. It additionally carries heavy environmental risk: climate & FEMA risk (66/100). The split runs 42/100 structural to 2/100 active on the ground.

Prices here sit in a peak phase: values rose 4.6% over the trailing year, and 31% higher over three years, at 27/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Median household income is $89,653, above the U.S. median near $78,000. The vacancy rate is 7.7%. The poverty rate is 0.6% — low. 93% of housing is owner-occupied. Rent burden reaches 8% of tenant households. Educational attainment sits at 16% bachelor's-or-above. There are about 518 housing units across 45312. About 1,109 people live here, median age 49. DLRadar's demographic-stress index for the area reads 20/100. Home values center near $279,400, an affordability ratio of 2.8× — accessible.

Broadly, 45312 is a steadier market — the deals are the exceptions, not the rule. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

The number is not local guesswork: 45312's 18/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. Where the public record is thin for 45312, the field stays empty rather than modeled, and fills in as new documents post.

45312'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. For a buyer, 45312 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.