ZIP 45339 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 45339 (Miami County, Ohio) at a low 20/100 for overall property distress. Structural exposure scores 45 and live distress 2 on the 0–100 scale. The pressure is most legible in structural risk (45/100), construction/permit lag (43/100), institutional ownership (17/100). institutional ownership (17/100) and mortgage stress (6/100) stay muted. It additionally carries heavy environmental risk: flood (NFIP) exposure (77/100), climate & FEMA risk (66/100).

Prices here sit in a peak phase: values rose 4.6% over the trailing year, and 23% higher over three years, at 27/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

982 residents call 45339 home, typically aged 53. Home values center near $269,300, an affordability ratio of 2.5× — accessible. The ZIP holds roughly 474 housing units. Around 32% of adults hold a bachelor's degree or higher. The tenure split is 77% owner-occupied to 23% rented. 3.6% of residents fall below the poverty threshold. The vacancy rate is 5.7%. The demographic-stress sub-score lands at 19/100. Around 6% of renters are cost-burdened. Households earn a median $92,500 — above the roughly $78,000 national figure.

Overall 45339 looks resilient on the surface, so the edge is isolating individual stressed parcels. 45339 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

The 45339 read uses the identical scoring model applied coast to coast, which means its 20/100 score means exactly what it means anywhere else, and 45339 stays directly comparable to neighboring ZIPs and the rest of Miami County, Ohio. The score is rebuilt from public data as it updates, so 45339 reflects the current record instead of a stale or modeled snapshot.

Each component behind 45339 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 20/100 roll-up. For an operator, 45339 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.