ZIP 45459 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 45459 (Montgomery County, Ohio) at a low 24/100 for overall property distress. The most distinctive pressure shows up in structural risk (55/100), construction/permit lag (48/100), institutional ownership (18/100). On the quiet end sit institutional ownership (18/100) and mortgage stress (8/100). The latent-versus-live split is 55/100 structural and 2/100 already moving. It additionally carries heavy environmental risk: climate & FEMA risk (92/100), flood (NFIP) exposure (77/100).

The market reads peak — home values rose 4.6% year on year, and 20% higher over three years (phase confidence 27/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Rent burden reaches 33% of tenant households. The typical home is worth about $302,100 (3.1× income, relatively affordable). The poverty rate is 6.4% — low. On demographic stress specifically, 45459 scores 24/100. The ZIP holds roughly 14,003 housing units. About 50% have a four-year degree. Median household income is $89,144, above the U.S. median near $78,000. 67% of housing is owner-occupied. Vacancy runs 5.6%. About 28,454 people live here, median age 49.

Overall 45459 looks resilient on the surface, so the edge is isolating individual stressed parcels. There is no property file for 45459 at the moment; the composite and its components are still built from verifiable public records.

The 45459 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 45459 stays directly comparable to neighboring ZIPs and the rest of Montgomery County, Ohio. Where the public record is thin for 45459, the field stays empty rather than modeled, and fills in as new documents post.

45459's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. For a buyer, 45459 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.