ZIP 45402 Foreclosure, Tax-Lien & Distress Report

In Montgomery County, Ohio, ZIP 45402 scores 24 of 100 for composite distress, a low level on DLRadar's public-record index. Leading the profile are structural risk (55/100), construction/permit lag (47/100), institutional ownership (18/100). On the quiet end sit institutional ownership (18/100) and mortgage stress (8/100). The latent-versus-live split is 55/100 structural and 2/100 already moving. Climate and flood risk are elevated too — climate & FEMA risk (92/100), flood (NFIP) exposure (78/100).

Prices here sit in a peak phase: values rose 4.6% over the trailing year, and 7% higher over three years (phase confidence 27/100). Topping markets hide individual distress behind strong averages.

Median household income is $45,386, below the U.S. median near $78,000. The poverty rate is 24.5% — high, a tax-stress and distress correlate. Rent burden reaches 31% of tenant households. Educational attainment sits at 30% bachelor's-or-above. The ZIP holds roughly 6,434 housing units. DLRadar's demographic-stress index for the area reads 33/100. 37% of housing is owner-occupied. Home values center near $135,700, an affordability ratio of 2.3× — accessible. Vacancy runs 27.8%, above the national norm and a classic distress-and-opportunity signal. About 9,964 people live here, median age 36.

Taken together, 45402 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Parcel-level detail for 45402 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

No ZIP is too small to score: 45402 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. Where the public record is thin for 45402, the field stays empty rather than modeled, and fills in as new documents post.

Each component behind 45402 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 24/100 roll-up. For a buyer, 45402 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.