ZIP 46013 Foreclosure, Tax-Lien & Distress Report

ZIP code 46013 in Madison County, Indiana carries a composite property-distress score of 26/100 — a low reading on DLRadar's deterministic public-record index. Latent structural risk is 54/100 while live distress already moving reads 5/100. It additionally carries heavy environmental risk: FEMA disaster exposure (84/100), climate & FEMA risk (77/100). Its heaviest discrete signals: structural risk (54/100), institutional ownership (50/100), construction/permit lag (40/100). On the quiet end sit mortgage stress (16/100).

The peak-phase market in 46013 posted values that rose 3.1% over the year, and 17% higher over three years (phase confidence 24/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

About 17,616 people live here, median age 45. 18.5% of residents fall below the poverty threshold. The typical home is worth about $149,200 (2.4× income, relatively affordable). The vacancy rate is 7.3%. The tenure split is 65% owner-occupied to 35% rented. On demographic stress specifically, 46013 scores 28/100. Around 17% of adults hold a bachelor's degree or higher. There are about 9,291 housing units across 46013. Median household income is $49,557, below the U.S. median near $78,000. Rent burden reaches 29% of tenant households.

On balance 46013 is mixed, rewarding parcel-by-parcel screening over broad assumptions. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

No ZIP is too small to score: 46013 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 26/100 composite is a like-for-like number rather than an isolated estimate. 46013 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

46013's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. For an operator, 46013 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.