ZIP 46044 Foreclosure, Tax-Lien & Distress Report

On DLRadar's 0-100 public-record scale, ZIP 46044 in Madison County, Indiana comes in at 26, a low composite-distress reading. The latent-versus-live split is 54/100 structural and 5/100 already moving. It additionally carries heavy environmental risk: FEMA disaster exposure (84/100), climate & FEMA risk (77/100). What sets it apart are the readings on structural risk (54/100), institutional ownership (50/100), construction/permit lag (40/100). On the quiet end sit mortgage stress (16/100).

Prices here sit in a peak phase: values rose 3.1% over the trailing year, and 12% higher over three years, at 24/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

2,646 residents call 46044 home, typically aged 45. Households earn a median $75,125 — near the roughly $78,000 national figure. Home values center near $163,600, an affordability ratio of 2.1× — accessible. 7.6% of residents fall below the poverty threshold. The tenure split is 86% owner-occupied to 14% rented. The vacancy rate is 7.7%. The ZIP holds roughly 1,095 housing units. Educational attainment sits at 15% bachelor's-or-above. On demographic stress specifically, 46044 scores 22/100. Around 19% of renters are cost-burdened.

Net-net, 46044 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. 46044 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

No ZIP is too small to score: 46044 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. Nothing here is interpolated — where a source is thin for 46044, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

Behind 46044'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 46044 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.