ZIP 45315 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 45315 (Montgomery County, Ohio) at a low 24/100 for overall property distress. The latent-versus-live split is 55/100 structural and 2/100 already moving. Climate and flood risk are elevated too — climate & FEMA risk (92/100), flood (NFIP) exposure (78/100). What sets it apart are the readings on structural risk (55/100), construction/permit lag (47/100), institutional ownership (18/100). On the quiet end sit institutional ownership (18/100) and mortgage stress (8/100).

The peak-phase market in 45315 posted values that rose 4.6% over the year, and 22% higher over three years (phase confidence 27/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

4,804 residents call 45315 home, typically aged 49. Around 44% of renters are cost-burdened. A median home runs $213,300 here, or 2.2 times local income. The vacancy rate is 0.8%. Roughly 4.7% live below the poverty line, a low share typical of higher-equity areas. The ZIP holds roughly 2,222 housing units. Owners hold 83% of homes, renters 17%. Around 41% of adults hold a bachelor's degree or higher. On demographic stress specifically, 45315 scores 22/100. Households earn a median $84,186 — near the roughly $78,000 national figure.

Overall 45315 looks resilient on the surface, so the edge is isolating individual stressed parcels. Parcel-level detail for 45315 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

The 45315 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 45315 stays directly comparable to neighboring ZIPs and the rest of Montgomery County, Ohio. Sparse data for 45315 shows as blanks, never estimates, and the score updates on every fresh public filing.

Behind 45315's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. Practically, 45315 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.