ZIP 45338 Foreclosure, Tax-Lien & Distress Report
Preble County, Ohio · Affordable market
ZIP code 45338 in Preble County, Ohio carries a composite property-distress score of 15/100 — a low reading on DLRadar's deterministic distress index. Structural exposure scores 33 and live distress 1 on the 0–100 scale. Leading the profile are construction/permit lag (72/100), structural risk (33/100), 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 15/100 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 15/100 roll-up. For an operator, 45338 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.
Signal-by-signal read on 45338
Tax delinquency, institutional ownership, insurance pressure, NFIP/flood, construction lag, price dislocation and auction velocity — plus the 0 individual distressed properties carry owner, address, APN, a parcel-level score and an exit read in the full DLRadar file.
Snapshot: 45338 by the numbers
A live read on 45338: distress, market phase, housing and bank pressure — identical to the report behind every parcel.
Preble County ZIPs near 45338
Nearest ZIP codes to 45338
By straight-line distance between ZIP centers — the surrounding market, whichever county or state line it crosses.
Related reports across Preble County, Ohio
Related ZIP, county and statewide reads linked to Preble County, Ohio.
The complete 45338 distress and acquisition report
The full 45338 file lists each distressed parcel with owner, address, APN, per-property score, bank exposure and exit-velocity read, and carries it straight through to owner and lender records. Refreshed continuously.
Rules-based scoring — each signal ties to a public dataset · methodology