ZIP 45406 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 45406 (Montgomery County, Ohio) at a low 24/100 for overall property distress. Climate and flood risk are elevated too — climate & FEMA risk (92/100), flood (NFIP) exposure (78/100). Latent structural risk is 55/100 while live distress already moving reads 2/100. The most distinctive pressure shows up in 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.

The market reads peak — home values rose 4.6% year on year, and 26% higher over three years (phase confidence 27/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

At $43,241, median income runs below typical U.S. levels. Educational attainment sits at 21% bachelor's-or-above. The ZIP holds roughly 10,777 housing units. A median home runs $85,000 here, or 1.9 times local income. Around 46% of renters are cost-burdened. On demographic stress specifically, 45406 scores 32/100. Population is roughly 20,261 with a median age of 38. The vacancy rate is 17.1% — elevated. Roughly 22.6% live below the poverty line, elevated and often tied to deferred-maintenance inventory. Owners hold 48% of homes, renters 52%.

Taken together, 45406 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. While 45406 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

The number is not local guesswork: 45406's 24/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. 45406 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

Behind 45406's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. In workflow terms, 45406 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.