ZIP 45326 Foreclosure, Tax-Lien & Distress Report
Miami County, Ohio · Affordable market
ZIP code 45326 in Miami County, Ohio carries a composite property-distress score of 18/100 — a low reading on DLRadar's deterministic public-record index. Environmental exposure also runs high (climate & FEMA risk (66/100)). Leading the profile are structural risk (42/100), construction/permit lag (41/100), institutional ownership (14/100). institutional ownership (14/100) and mortgage stress (6/100) stay muted. The split runs 42/100 structural to 2/100 active on the ground.
Prices here sit in a peak phase: values rose 4.6% over the trailing year, and 44% higher over three years, at 27/100 phase confidence. Topping markets hide individual distress behind strong averages.
The typical home is worth about $154,400 (1.7× income, relatively affordable). The tenure split is 85% owner-occupied to 15% rented. 1,509 residents call 45326 home, typically aged 40. The poverty rate is 13.8%. Rent burden reaches 42% of tenant households. Median household income is $87,500, above the U.S. median near $78,000. The vacancy rate is 1.8%. The ZIP holds roughly 541 housing units. About 6% have a four-year degree. On demographic stress specifically, 45326 scores 26/100.
Overall 45326 looks resilient on the surface, so the edge is isolating individual stressed parcels. 45326 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.
Because one deterministic model scores every ZIP, 45326's 18/100 can be lined up against any neighbor in Miami County, Ohio or any ZIP coast to coast. The score is rebuilt from public data as it updates, so 45326 reflects the current record instead of a stale or modeled snapshot.
45326's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. In workflow terms, 45326 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.
What is driving ZIP 45326’s distress
Tax arrears, institutional buyers, insurance load, flood exposure, stalled construction, dislocated pricing and auction velocity — together with the 0 individual distressed properties — each with owner, address, APN, its own distress score and an exit read — are in the full report.
45326 at a glance
A live read on 45326: distress, market phase, housing and bank pressure — identical to the report behind every parcel.
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Deterministic. Every signal traces to a public dataset · methodology