ZIP 45419 Property Distress & Foreclosure Data

DLRadar grades ZIP 45419 (Montgomery County, Ohio) at a low 23/100 for overall property distress. Property-level stress concentrates in structural risk (53/100), construction/permit lag (38/100), institutional ownership (18/100). By contrast, institutional ownership (18/100) and mortgage stress (8/100) register low. It additionally carries heavy environmental risk: climate & FEMA risk (92/100), flood (NFIP) exposure (79/100). The latent-versus-live split is 53/100 structural and 2/100 already moving.

The market reads expansion — home values rose 7.0% year on year, and 22% higher over three years (phase confidence 40/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

Owners hold 65% of homes, renters 35%. 7.4% of residents fall below the poverty threshold. Median household income is $85,876, near the U.S. median near $78,000. The ZIP holds roughly 7,565 housing units. Home values center near $248,400, an affordability ratio of 2.8× — accessible. DLRadar's demographic-stress index for the area reads 23/100. Educational attainment sits at 57% bachelor's-or-above. About 16,583 people live here, median age 36. Around 31% of renters are cost-burdened. The vacancy rate is 5.2%.

Overall 45419 looks resilient on the surface, so the edge is isolating individual stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.