ZIP 45338 Foreclosure, Tax-Lien & Distress Report

ZIP code 45338 in Preble County, Ohio carries a composite property-distress score of 14/100 — a minimal reading on DLRadar's deterministic public-record index. Structural exposure scores 32 and live distress 1 on the 0–100 scale. Leading the profile are construction/permit lag (71/100), structural risk (32/100), mortgage stress (3/100). By contrast, mortgage stress (3/100) and institutional ownership (3/100) register low.

The market reads expansion — home values rose 6.0% year on year, and 26% higher over three years (phase confidence 34/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

There are about 1,900 housing units across 45338. The poverty rate is 13.3%. At $75,462, median income runs near typical U.S. levels. On demographic stress specifically, 45338 scores 26/100. Home values center near $191,900, an affordability ratio of 2.5× — accessible. About 4,782 people live here, median age 39. Around 26% of renters are cost-burdened. The tenure split is 77% owner-occupied to 23% rented. Around 11% of adults hold a bachelor's degree or higher. The vacancy rate is 4.3%.

Overall, 45338 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. While 45338 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

Whether 45338 runs hot or quiet, its 14/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 45338 can be compared directly against any other ZIP in Preble County, Ohio or nationwide. Nothing here is interpolated — where a source is thin for 45338, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

Each component behind 45338 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 14/100 roll-up. For an operator, 45338 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.