ZIP 45458 Foreclosure, Tax-Lien & Distress Report

ZIP code 45458 in Montgomery County, Ohio carries a composite property-distress score of 24/100 — a low reading on DLRadar's deterministic public-record index. The latent-versus-live split is 53/100 structural and 2/100 already moving. It additionally carries heavy environmental risk: climate & FEMA risk (91/100), flood (NFIP) exposure (75/100). Property-level stress concentrates in structural risk (53/100), construction/permit lag (46/100), institutional ownership (17/100). On the quiet end sit institutional ownership (17/100) and mortgage stress (8/100).

The market reads peak — home values rose 4.4% year on year, and 20% higher over three years (phase confidence 26/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

The typical home is worth about $362,700 (3.0× income, relatively affordable). DLRadar's demographic-stress index for the area reads 22/100. The vacancy rate is 3.2%. The tenure split is 76% owner-occupied to 24% rented. The poverty rate is 5.6% — low. At $110,682, median income runs above typical U.S. levels. 37,413 residents call 45458 home, typically aged 42. Educational attainment sits at 59% bachelor's-or-above. There are about 15,946 housing units across 45458. Around 28% of renters are cost-burdened.

On balance, 45458 reads as a higher-equity, stable market where distress is selective and worth pinpointing parcel by parcel. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

The 45458 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 45458 stays directly comparable to neighboring ZIPs and the rest of Montgomery County, Ohio. The score is rebuilt from public data as it updates, so 45458 reflects the current record instead of a stale or modeled snapshot.

45458's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. In workflow terms, 45458 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.