ZIP 45318 Foreclosure, Tax-Lien & Distress Report
Miami County, Ohio · Affordable market
In Miami County, Ohio, ZIP 45318 scores 18 of 100 for composite distress, a low level on DLRadar's public-record index. The sharpest non-environmental signals are construction/permit lag (42/100), structural risk (42/100), institutional ownership (14/100). On the quiet end sit institutional ownership (14/100) and mortgage stress (6/100). Structurally it carries 42/100, against 2/100 of stress already in motion. Climate and flood risk are elevated too — climate & FEMA risk (66/100).
The peak-phase market in 45318 posted values that rose 4.6% over the year, and 14% higher over three years, at 27/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.
About 13% have a four-year degree. The ZIP holds roughly 2,511 housing units. At $64,239, median income runs below typical U.S. levels. A median home runs $199,400 here, or 2.7 times local income. Rent burden reaches 28% of tenant households. DLRadar's demographic-stress index for the area reads 26/100. The poverty rate is 5.3% — low. Vacancy runs 10.1%. The tenure split is 77% owner-occupied to 23% rented. About 5,338 people live here, median age 51.
Overall, 45318 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. There is no property file for 45318 at the moment; the composite and its components are still built from verifiable public records.
The 45318 read uses the identical public-record model applied coast to coast, which means its 18/100 score means exactly what it means anywhere else, and 45318 stays directly comparable to neighboring ZIPs and the rest of Miami County, Ohio. Every figure is auditable to a public dataset and refreshed on ingest; 45318 shows blanks, not estimates, wherever the record is sparse.
Each component behind 45318 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 18/100 roll-up. The point of the 45318 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.
Signal-by-signal read on 45318
Unpaid tax, corporate ownership share, insurance cost pressure, NFIP flood risk, construction slowdown, price gaps and auction turnover — plus the 0 individual distressed properties — each with owner, address, APN, its own distress score and an exit read — are in the full report.
The 45318 distress snapshot
Current distress, phase, housing and lender-pressure figures for 45318, drawn from the same report attached to each property.
Other Miami County ZIP codes
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Related ZIP, county and statewide reads linked to Miami County, Ohio.
Unlock parcel-level detail for ZIP 45318
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Rules-based scoring — each signal ties to a public dataset · methodology