ZIP 45322 Foreclosure, Tax-Lien & Distress Report
Montgomery County, Ohio · Affordable market
ZIP 45322's composite property-distress score is 23/100 - DLRadar classes that as low for Montgomery County, Ohio. Structural risk reads 52/100 against active distress of 2/100. Environmental exposure also runs high (climate & FEMA risk (87/100), flood (NFIP) exposure (74/100)). The sharpest non-environmental signals are structural risk (52/100), construction/permit lag (47/100), institutional ownership (17/100). institutional ownership (17/100) and mortgage stress (8/100) stay muted.
The peak-phase market in 45322 posted values that rose 4.6% over the year, and 19% higher over three years, at 27/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.
A median home runs $179,700 here, or 2.3 times local income. 76% of housing is owner-occupied. 20,978 residents call 45322 home, typically aged 40. On demographic stress specifically, 45322 scores 24/100. There are about 9,317 housing units across 45322. Vacancy runs 3.5%. Around 28% of adults hold a bachelor's degree or higher. Roughly 7.4% live below the poverty line, a low share typical of higher-equity areas. Households earn a median $72,073 — near the roughly $78,000 national figure. Rent burden reaches 37% of tenant households.
On balance 45322 is mixed, rewarding parcel-by-parcel screening over broad assumptions. There is no property file for 45322 at the moment; the composite and its components are still built from verifiable public records.
Big metro or rural, 45322 runs through one identical public-record model, so its 23/100 sits on the same scale as every other ZIP in Montgomery County, Ohio and the nation. Sparse data for 45322 shows as blanks, never estimates, and the score updates on every fresh public filing.
The 23/100 for 45322 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. For an operator, 45322 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.
Distress signal breakdown — ZIP 45322
Unpaid tax, corporate ownership share, insurance cost pressure, NFIP flood risk, construction slowdown, price gaps and auction turnover — plus the 0 individual distressed properties carry owner, address, APN, a parcel-level score and an exit read in the full DLRadar file.
ZIP 45322 Stress Report snapshot
45322 live: composite distress, market phase, housing detail and lender pressure, identical to the per-property report.
Other Montgomery County ZIP codes
More distress data near 45322
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Rules-based scoring — each signal ties to a public dataset · methodology