ZIP 45320 Foreclosure, Tax-Lien & Distress Report

ZIP code 45320 in Preble County, Ohio carries a composite property-distress score of 15/100 — a low reading on DLRadar's deterministic distress index. Its heaviest discrete signals: construction/permit lag (72/100), structural risk (33/100), mortgage stress (3/100). mortgage stress (3/100) and institutional ownership (3/100) stay muted. Structural risk reads 33/100 against active distress of 1/100.

The expansion-phase market in 45320 posted values that rose 6.0% over the year, and 14% higher over three years, at 34/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

15,402 residents call 45320 home, typically aged 44. The poverty rate is 9.5%. The typical home is worth about $186,200 (2.4× income, relatively affordable). Owners hold 76% of homes, renters 24%. Vacancy runs 7.4%. About 21% have a four-year degree. The ZIP holds roughly 7,154 housing units. On demographic stress specifically, 45320 scores 26/100. Around 33% of renters are cost-burdened. At $68,740, median income runs near typical U.S. levels.

Net-net, 45320 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. There is no property file for 45320 at the moment; the composite and its components are still built from verifiable records.

The 45320 read uses the identical scoring model applied coast to coast, which means its 15/100 score means exactly what it means anywhere else, and 45320 stays directly comparable to neighboring ZIPs and the rest of Preble County, Ohio. Sparse data for 45320 shows as blanks, never estimates, and the score updates on every fresh public filing.

Each component behind 45320 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 15/100 roll-up. Practically, 45320 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.