ZIP 46158 Foreclosure, Tax-Lien & Distress Report

ZIP code 46158 in Morgan County, Indiana carries a composite property-distress score of 30/100 — a moderate reading on DLRadar's deterministic public-record index. Environmental exposure also runs high (FEMA disaster exposure (80/100), flood (NFIP) exposure (73/100), climate & FEMA risk (68/100)). The most distinctive pressure shows up in structural risk (68/100), construction/permit lag (65/100), institutional ownership (60/100). mortgage stress (18/100) stay muted. On the structural side it scores 68/100, with 5/100 of stress already active.

The market reads peak — home values rose 3.1% year on year, and 19% higher over three years, at 24/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

About 24,622 people live here, median age 45. A median home runs $255,100 here, or 3.0 times local income. The vacancy rate is 5.2%. Educational attainment sits at 23% bachelor's-or-above. The ZIP holds roughly 10,056 housing units. Median household income is $79,877, near the U.S. median near $78,000. Around 40% of renters are cost-burdened. 8.3% of residents fall below the poverty threshold. Owners hold 82% of homes, renters 18%. DLRadar's demographic-stress index for the area reads 27/100.

On balance 46158 is mixed, rewarding parcel-by-parcel screening over broad assumptions. 46158 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

Whether 46158 runs hot or quiet, its 30/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 46158 can be compared directly against any other ZIP in Morgan County, Indiana or nationwide. Every figure is auditable to a public dataset and refreshed on ingest; 46158 shows blanks, not estimates, wherever the record is sparse.

46158's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. Treat 46158 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.