ZIP 45342 Foreclosure, Tax-Lien & Distress Report

ZIP code 45342 in Montgomery County, Ohio carries a composite property-distress score of 24/100 — a low reading on DLRadar's deterministic public-record index. Structural exposure scores 55 and live distress 2 on the 0–100 scale. The most distinctive pressure shows up in structural risk (55/100), construction/permit lag (47/100), institutional ownership (18/100). By contrast, institutional ownership (18/100) and mortgage stress (8/100) register low. Environmental exposure also runs high (climate & FEMA risk (92/100), flood (NFIP) exposure (78/100)).

The market reads peak — home values rose 4.6% year on year, and 23% higher over three years (phase confidence 27/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

The vacancy rate is 6.6%. There are about 15,927 housing units across 45342. About 36,675 people live here, median age 38. Around 25% of renters are cost-burdened. The poverty rate is 7.6%. DLRadar's demographic-stress index for the area reads 24/100. The typical home is worth about $230,300 (2.5× income, relatively affordable). Median household income is $83,936, near the U.S. median near $78,000. The tenure split is 64% owner-occupied to 36% rented. Around 33% of adults hold a bachelor's degree or higher.

Overall 45342 looks resilient on the surface, so the edge is isolating individual stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

Because one deterministic model scores every ZIP, 45342's 24/100 can be lined up against any neighbor in Montgomery County, Ohio or any ZIP coast to coast. Where the public record is thin for 45342, the field stays empty rather than modeled, and fills in as new documents post.

The 24/100 figure for 45342 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. Treat 45342 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.