ZIP 45403 Foreclosure, Tax-Lien & Distress Report
Montgomery County, Ohio · High Vacancy market
DLRadar grades ZIP 45403 (Montgomery County, Ohio) at a low 24/100 for overall property distress. It additionally carries heavy environmental risk: climate & FEMA risk (92/100), flood (NFIP) exposure (78/100). Property-level stress concentrates in structural risk (54/100), construction/permit lag (43/100), institutional ownership (18/100). By contrast, institutional ownership (18/100) and mortgage stress (8/100) register low. The split runs 54/100 structural to 2/100 active on the ground.
The market reads peak — home values rose 4.6% year on year, and 19% higher over three years (phase confidence 27/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.
About 13,831 people live here, median age 35. Home values center near $87,500, an affordability ratio of 2.0× — accessible. There are about 7,310 housing units across 45403. Roughly 36.2% live below the poverty line, elevated and often tied to deferred-maintenance inventory. At $36,250, median income runs below typical U.S. levels. The vacancy rate is 14.3% — elevated. The demographic-stress sub-score lands at 37/100. Around 11% of adults hold a bachelor's degree or higher. Owners hold 41% of homes, renters 59%. Rent burden reaches 45% of tenant households.
On the whole, 45403 leans distressed, with opportunity clustered in specific stressed parcels. Parcel-level detail for 45403 is not published yet -- the ZIP-level readings above remain fully sourced.
The 45403 read uses the identical scoring model applied coast to coast, which means its 24/100 score means exactly what it means anywhere else, and 45403 stays directly comparable to neighboring ZIPs and the rest of Montgomery County, Ohio. 45403 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.
Each component behind 45403 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 24/100 roll-up. In workflow terms, 45403 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.
What is driving ZIP 45403’s distress
Delinquent tax, institutional holdings, insurance strain, flood/NFIP exposure, build-out lag, price dislocation and auction pace — along with the 0 individual distressed properties carry owner, address, APN, a parcel-level score and an exit read in the full DLRadar file.
The 45403 distress snapshot
Real-time distress, cycle phase, housing and bank-stress readings for 45403, the same set carried on every parcel.
Nearby ZIPs in Montgomery County
Nearest ZIP codes to 45403
By straight-line distance between ZIP centers — the surrounding market, whichever county or state line it crosses.
More distress data near 45403
Further distress data across Montgomery County, Ohio at ZIP, county and state level.
Unlock the full ZIP 45403 acquisition report
See who owns each distressed property in 45403, where it is, its APN and score, the bank behind it and how fast it should exit — then open its owner and lender records in one click. Continuously refreshed, nationwide.
Built from public records, scored the same way everywhere · methodology