ZIP 45409 Foreclosure, Tax-Lien & Distress Report

ZIP code 45409 in Montgomery County, Ohio carries a composite property-distress score of 24/100 — a low reading on DLRadar's deterministic public-record index. Structurally it carries 55/100, against 2/100 of stress already in motion. Property-level stress concentrates in 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). 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 18% higher over three years (phase confidence 27/100). Topping markets hide individual distress behind strong averages.

15,677 residents call 45409 home, typically aged 21. The ZIP holds roughly 3,372 housing units. On demographic stress specifically, 45409 scores 26/100. The tenure split is 71% owner-occupied to 29% rented. Median household income is $84,000, near the U.S. median near $78,000. Around 65% of adults hold a bachelor's degree or higher. A median home runs $249,000 here, or 2.8 times local income. Around 42% of renters are cost-burdened. The vacancy rate is 11.3% — elevated. Roughly 18.6% live below the poverty line, elevated and often tied to deferred-maintenance inventory.

Overall 45409 looks resilient on the surface, so the edge is isolating individual stressed parcels. No parcel file is published for 45409 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

The 45409 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 45409 stays directly comparable to neighboring ZIPs and the rest of Montgomery County, Ohio. 45409 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

45409's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. In workflow terms, 45409 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.