ZIP 46164 Foreclosure, Tax-Lien & Distress Report

ZIP code 46164 in Brown County, Indiana carries a composite property-distress score of 21/100 — a low reading on DLRadar's deterministic public-record index. It additionally carries heavy environmental risk: flood (NFIP) exposure (80/100). Structural exposure scores 50 and live distress 6 on the 0–100 scale. What sets it apart are the readings on construction/permit lag (66/100), structural risk (50/100), institutional ownership (42/100). By contrast, mortgage stress (19/100) register low.

The market reads peak — home values rose 3.1% year on year, and 16% higher over three years, at 24/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

4.0% of residents fall below the poverty threshold. DLRadar's demographic-stress index for the area reads 22/100. At $92,235, median income runs above typical U.S. levels. About 26% have a four-year degree. Around 13% of renters are cost-burdened. The ZIP holds roughly 2,482 housing units. 3,991 residents call 46164 home, typically aged 48. The typical home is worth about $247,200 (2.5× income, relatively affordable). The vacancy rate is 33.9% — elevated. 96% of housing is owner-occupied.

Taken together, 46164 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Parcel-level detail for 46164 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

The 46164 read uses the identical public-record model applied coast to coast, which means its 21/100 score means exactly what it means anywhere else, and 46164 stays directly comparable to neighboring ZIPs and the rest of Brown County, Indiana. Where the public record is thin for 46164, the field stays empty rather than modeled, and fills in as new documents post.

The 21/100 figure for 46164 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. For a buyer, 46164 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.