ZIP 45439 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 45439 (Montgomery County, Ohio) lands at 24/100 — low on DLRadar's public-record scoring. Environmental exposure also runs high (climate & FEMA risk (92/100), flood (NFIP) exposure (78/100)). Structural exposure scores 55 and live distress 2 on the 0–100 scale. 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).

The peak-phase market in 45439 posted values that rose 4.6% over the year, and 30% higher over three years (phase confidence 27/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

28.5% of residents fall below the poverty threshold. Rent burden reaches 46% of tenant households. At $47,788, median income runs below typical U.S. levels. Educational attainment sits at 17% bachelor's-or-above. The tenure split is 50% owner-occupied to 50% rented. Population is roughly 12,246 with a median age of 34. The typical home is worth about $143,300 (2.5× income, relatively affordable). Vacancy runs 5.8%. The demographic-stress sub-score lands at 35/100. The ZIP holds roughly 5,245 housing units.

Taken together, 45439 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. 45439 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

The 45439 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 45439 stays directly comparable to neighboring ZIPs and the rest of Montgomery County, Ohio. The score is rebuilt from public data as it updates, so 45439 reflects the current record instead of a stale or modeled snapshot.

45439's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. Practically, 45439 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.