ZIP 45361 Foreclosure, Tax-Lien & Distress Report

On DLRadar's 0-100 public-record scale, ZIP 45361 in Miami County, Ohio comes in at 18, a low composite-distress reading. Its standout signals are structural risk (42/100), construction/permit lag (41/100), institutional ownership (14/100). institutional ownership (14/100) and mortgage stress (6/100) stay muted. Structural risk reads 42/100 against active distress of 2/100. It additionally carries heavy environmental risk: climate & FEMA risk (66/100).

The peak-phase market in 45361 posted values that rose 4.6% over the year (phase confidence 27/100). Topping markets hide individual distress behind strong averages.

Median household income is $60,625, below the U.S. median near $78,000. Vacancy runs 4.5%. The ZIP holds roughly 90 housing units. Rent burden reaches 12% of tenant households. Roughly 28.5% live below the poverty line, elevated and often tied to deferred-maintenance inventory. About 13% have a four-year degree. About 325 people live here, median age 30. Home values center near $124,300, an affordability ratio of 1.9× — accessible. On demographic stress specifically, 45361 scores 26/100. The tenure split is 76% owner-occupied to 24% rented.

On the whole, 45361 leans distressed, with opportunity clustered in specific stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

The 45361 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 45361 stays directly comparable to neighboring ZIPs and the rest of Miami County, Ohio. 45361 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

Each component behind 45361 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 18/100 roll-up. Practically, 45361 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.