ZIP 45449 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 45449 (Montgomery County, Ohio) lands at 24/100 — low on DLRadar's distress scoring. Structural risk reads 54/100 against active distress of 2/100. It additionally carries heavy environmental risk: climate & FEMA risk (92/100), flood (NFIP) exposure (78/100). The sharpest non-environmental signals are structural risk (54/100), construction/permit lag (43/100), institutional ownership (18/100). By contrast, institutional ownership (18/100) and mortgage stress (8/100) register low.

The market reads peak — home values rose 4.6% year on year, and 21% higher over three years, at 27/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Owners hold 59% of homes, renters 41%. Home values center near $163,500, an affordability ratio of 2.5× — accessible. Vacancy runs 6.0%. Around 30% of renters are cost-burdened. Population is roughly 18,627 with a median age of 36. There are about 8,682 housing units across 45449. Roughly 12.6% live below the poverty line. 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. Around 24% of adults hold a bachelor's degree or higher.

Net-net, 45449 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. While 45449 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

The number is not local guesswork: 45449's 24/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. Nothing here is interpolated — where a source is thin for 45449, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

The 24/100 figure for 45449 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. In workflow terms, 45449 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.