ZIP 46012 Foreclosure, Tax-Lien & Distress Report

Madison County, Indiana's ZIP 46012 registers 31/100 composite distress, which DLRadar reads as moderate. Property-level stress concentrates in structural risk (69/100), institutional ownership (65/100), construction/permit lag (46/100). On the quiet end sit mortgage stress (15/100). Environmental exposure also runs high (FEMA disaster exposure (87/100), flood (NFIP) exposure (82/100), climate & FEMA risk (77/100)). Latent structural risk is 69/100 while live distress already moving reads 4/100.

The market reads peak — home values rose 4.3% year on year, and 21% higher over three years (phase confidence 24/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Rent burden reaches 50% of tenant households. The ZIP holds roughly 9,815 housing units. Educational attainment sits at 22% bachelor's-or-above. Vacancy runs 8.5%. At $58,538, median income runs below typical U.S. levels. Home values center near $159,600, an affordability ratio of 2.5× — accessible. DLRadar's demographic-stress index for the area reads 29/100. The tenure split is 68% owner-occupied to 32% rented. 11.1% of residents fall below the poverty threshold. 20,248 residents call 46012 home, typically aged 44.

On balance 46012 is mixed, rewarding parcel-by-parcel screening over broad assumptions. There is no property file for 46012 at the moment; the composite and its components are still built from verifiable records.

Because one deterministic model scores every ZIP, 46012's 31/100 can be lined up against any neighbor in Madison County, Indiana or any ZIP coast to coast. Sparse data for 46012 shows as blanks, never estimates, and the score updates on every fresh public filing.

Behind 46012's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. The point of the 46012 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.