ZIP 45420 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 45420 (Montgomery County, Ohio) returns a low composite of 24/100. What sets it apart are the readings on 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. Environmental exposure also runs high (climate & FEMA risk (92/100), flood (NFIP) exposure (78/100)). Structural risk reads 55/100 against active distress of 2/100.

The market reads peak — home values rose 4.6% year on year, and 25% higher over three years, at 27/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Around 27% of adults hold a bachelor's degree or higher. 23,956 residents call 45420 home, typically aged 40. The poverty rate is 12.6%. The typical home is worth about $131,300 (2.0× income, relatively affordable). Households earn a median $56,670 — below the roughly $78,000 national figure. The tenure split is 63% owner-occupied to 37% rented. Around 35% of renters are cost-burdened. The vacancy rate is 3.4%. The demographic-stress sub-score lands at 25/100. The ZIP holds roughly 12,450 housing units.

Overall, 45420 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

Whether 45420 runs hot or quiet, its 24/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 45420 can be compared directly against any other ZIP in Montgomery County, Ohio or nationwide. Nothing here is interpolated — where a source is thin for 45420, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

Behind 45420'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. For an operator, 45420 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.