ZIP 45325 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 45325 (Montgomery County, Ohio) at a low 24/100 for overall property distress. Its heaviest discrete signals: structural risk (54/100), construction/permit lag (43/100), institutional ownership (18/100). On the quiet end sit institutional ownership (18/100) and mortgage stress (8/100). Structurally it carries 54/100, against 2/100 of stress already in motion. Climate and flood risk are elevated too — climate & FEMA risk (92/100), flood (NFIP) exposure (78/100).

Prices here sit in a peak phase: values rose 4.6% over the trailing year, and 23% higher over three years (phase confidence 27/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

At $79,688, median income runs near typical U.S. levels. There are about 1,001 housing units across 45325. The poverty rate is 1.9% — low. Around 34% of renters are cost-burdened. The demographic-stress sub-score lands at 23/100. Vacancy runs 2.0%. Educational attainment sits at 22% bachelor's-or-above. Home values center near $234,600, an affordability ratio of 2.7× — accessible. About 2,746 people live here, median age 46. The tenure split is 94% owner-occupied to 6% rented.

On balance, 45325 reads as a higher-equity, stable market where distress is selective and worth pinpointing parcel by parcel. Parcel-level detail for 45325 is not published yet -- the ZIP-level readings above remain fully sourced.

The number is not local guesswork: 45325's 24/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. The score is rebuilt from public data as it updates, so 45325 reflects the current record instead of a stale or modeled snapshot.

45325's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. Treat 45325 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.