ZIP 45356 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 45356 (Miami County, Ohio) at a low 18/100 for overall property distress. Leading the profile are construction/permit lag (49/100), structural risk (42/100), institutional ownership (12/100). On the quiet end sit institutional ownership (12/100) and mortgage stress (5/100). The split runs 42/100 structural to 2/100 active on the ground. It additionally carries heavy environmental risk: climate & FEMA risk (65/100).

Prices here sit in a peak phase: values rose 4.5% over the trailing year, and 28% higher over three years, at 27/100 phase confidence. Topping markets hide individual distress behind strong averages.

Households earn a median $66,134 — below the roughly $78,000 national figure. 13.5% of residents fall below the poverty threshold. Around 39% of renters are cost-burdened. Around 15% of adults hold a bachelor's degree or higher. DLRadar's demographic-stress index for the area reads 28/100. The typical home is worth about $156,400 (2.2× income, relatively affordable). Vacancy runs 6.1%. The ZIP holds roughly 11,299 housing units. 25,155 residents call 45356 home, typically aged 41. 69% of housing is owner-occupied.

On balance 45356 is mixed, rewarding parcel-by-parcel screening over broad assumptions. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

The 45356 read uses the identical public-record model applied coast to coast, which means its 18/100 score means exactly what it means anywhere else, and 45356 stays directly comparable to neighboring ZIPs and the rest of Miami County, Ohio. The score is rebuilt from public data as it updates, so 45356 reflects the current record instead of a stale or modeled snapshot.

Behind 45356's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. Treat 45356 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.