ZIP 46105 Foreclosure, Tax-Lien & Distress Report

In Putnam County, Indiana, ZIP 46105 scores 16 of 100 for composite distress, a low level on DLRadar's public-record index. Property-level stress concentrates in construction/permit lag (76/100), structural risk (36/100), institutional ownership (5/100). By contrast, institutional ownership (5/100) and mortgage stress (3/100) register low. On the structural side it scores 36/100, with 1/100 of stress already active.

Prices here sit in a peak phase: values rose 4.3% over the trailing year, and 20% higher over three years, at 26/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

84% of housing is owner-occupied. On demographic stress specifically, 46105 scores 28/100. About 1,694 people live here, median age 43. Educational attainment sits at 21% bachelor's-or-above. Home values center near $248,500, an affordability ratio of 2.4× — accessible. Vacancy runs 12.9%, above the national norm and a classic distress-and-opportunity signal. There are about 771 housing units across 46105. Around 54% of renters are cost-burdened. Median household income is $92,946, above the U.S. median near $78,000. Roughly 5.4% live below the poverty line, a low share typical of higher-equity areas.

Taken together, 46105 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

Because one deterministic model scores every ZIP, 46105's 16/100 can be lined up against any neighbor in Putnam County, Indiana or any ZIP coast to coast. 46105 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

46105'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. The point of the 46105 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.