ZIP 45404 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 45404 (Montgomery County, Ohio) returns a low composite of 24/100. It additionally carries heavy environmental risk: climate & FEMA risk (92/100), flood (NFIP) exposure (78/100). Structural risk reads 55/100 against active distress of 2/100. Leading the profile are structural risk (55/100), construction/permit lag (47/100), institutional ownership (18/100). By contrast, institutional ownership (18/100) and mortgage stress (8/100) register low.

Prices here sit in a peak phase: values rose 4.6% over the trailing year, and 19% higher over three years, at 27/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Rent burden reaches 50% of tenant households. Roughly 37.0% live below the poverty line, elevated and often tied to deferred-maintenance inventory. Households earn a median $35,286 — below the roughly $78,000 national figure. The demographic-stress sub-score lands at 39/100. Around 9% of adults hold a bachelor's degree or higher. The vacancy rate is 11.7% — elevated. The ZIP holds roughly 4,781 housing units. 39% of housing is owner-occupied. The typical home is worth about $86,900 (2.3× income, relatively affordable). About 10,762 people live here, median age 34.

Net-net, 45404 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. 45404 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

The 45404 read uses the identical public-record model applied coast to coast, which means its 24/100 score means exactly what it means anywhere else, and 45404 stays directly comparable to neighboring ZIPs and the rest of Montgomery County, Ohio. Every figure is auditable to a public dataset and refreshed on ingest; 45404 shows blanks, not estimates, wherever the record is sparse.

45404's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. The point of the 45404 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.