ZIP 45405 Foreclosure, Tax-Lien & Distress Report
Montgomery County, Ohio · High Vacancy market
ZIP 45405's composite property-distress score is 24/100 - DLRadar classes that as low for Montgomery County, Ohio. Climate and flood risk are elevated too — climate & FEMA risk (92/100), flood (NFIP) exposure (78/100). What sets it apart are the readings on structural risk (55/100), construction/permit lag (47/100), institutional ownership (18/100). institutional ownership (18/100) and mortgage stress (8/100) stay muted. Structural exposure scores 55 and live distress 2 on the 0–100 scale.
The market reads peak — home values rose 4.6% year on year, and 19% higher over three years, at 27/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.
The ZIP holds roughly 11,695 housing units. The vacancy rate is 24.2% — elevated. Home values center near $84,200, an affordability ratio of 1.8× — accessible. The tenure split is 34% owner-occupied to 66% rented. Rent burden reaches 34% of tenant households. About 19% have a four-year degree. 26.0% of residents fall below the poverty threshold. Median household income is $41,901, below the U.S. median near $78,000. About 19,322 people live here, median age 39. DLRadar's demographic-stress index for the area reads 33/100.
On the whole, 45405 leans distressed, with opportunity clustered in specific stressed parcels. Parcel-level detail for 45405 is not published yet -- the ZIP-level readings above remain fully sourced to public records.
The number is not local guesswork: 45405's 24/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. Where the public record is thin for 45405, the field stays empty rather than modeled, and fills in as new documents post.
The 24/100 figure for 45405 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. For an operator, 45405 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.
Signal-by-signal read on 45405
Delinquency on tax, investor concentration, insurance pressure, NFIP flood, lagging construction, price dislocation and sale velocity — and the 0 individual distressed properties carry owner, address, APN, a parcel-level score and an exit read in the full DLRadar file.
45405 at a glance
Real-time distress, cycle phase, housing and bank-stress readings for 45405, the same set carried on every parcel.
Other Montgomery County ZIP codes
Keep exploring Ohio distress
Further distress data across Montgomery County, Ohio at ZIP, county and state level.
Get the full acquisition report for 45405
The full 45405 file lists each distressed parcel with owner, address, APN, per-property score, bank exposure and exit-velocity read, and carries it straight through funding and closing. Refreshed continuously.
No modelling: every input is a public record · methodology