ZIP 45354 Foreclosure, Tax-Lien & Distress Report

In Montgomery County, Ohio, ZIP 45354 scores 24 of 100 for composite distress, a low level on DLRadar's public-record index. The sharpest non-environmental signals are structural risk (55/100), construction/permit lag (47/100), institutional ownership (18/100). institutional ownership (18/100) and mortgage stress (8/100) stay muted. On the structural side it scores 55/100, with 2/100 of stress already active. It additionally carries heavy environmental risk: climate & FEMA risk (92/100), flood (NFIP) exposure (78/100).

The peak-phase market in 45354 posted values that rose 4.6% over the year, at 27/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Roughly 7.2% live below the poverty line, a low share typical of higher-equity areas. Around 74% of renters are cost-burdened. About 13% have a four-year degree. Home values center near $151,000, an affordability ratio of 1.9× — accessible. 75% of housing is owner-occupied. On demographic stress specifically, 45354 scores 32/100. Median household income is $71,875, near the U.S. median near $78,000. Vacancy runs 18.6%, above the national norm and a classic distress-and-opportunity signal. There are about 337 housing units across 45354. 643 residents call 45354 home, typically aged 52.

On the whole, 45354 leans distressed, with opportunity clustered in specific stressed parcels. Parcel-level detail for 45354 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

No ZIP is too small to score: 45354 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 24/100 composite is a like-for-like number rather than an isolated estimate. Nothing here is interpolated — where a source is thin for 45354, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

45354's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. For a buyer, 45354 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.