ZIP 45449 Property Distress & Foreclosure Data

ZIP code 45449 in Montgomery County, Ohio carries a composite property-distress score of 23/100 — a low reading on DLRadar's deterministic public-record index. Structural exposure scores 53 and live distress 2 on the 0–100 scale. It additionally carries heavy environmental risk: climate & FEMA risk (92/100), flood (NFIP) exposure (79/100). What sets it apart are the readings on 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.

The market reads expansion — home values rose 7.0% year on year, and 21% higher over three years, at 40/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

Owners hold 59% of homes, renters 41%. Home values center near $163,500, an affordability ratio of 2.5× — accessible. Vacancy runs 6.0%. Rent burden reaches 30% of tenant households. About 18,627 people live here, median age 36. There are about 8,682 housing units across 45449. 12.6% of residents fall below the poverty threshold. Median household income is $60,303, below the U.S. median near $78,000. DLRadar's demographic-stress index for the area reads 27/100. Educational attainment sits at 24% bachelor's-or-above.

Net-net, 45449 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.