ZIP 46180 Foreclosure, Tax-Lien & Distress Report

ZIP 46180's composite property-distress score is 30/100 - DLRadar classes that as moderate for Morgan County, Indiana. Its heaviest discrete signals: construction/permit lag (71/100), structural risk (68/100), institutional ownership (53/100). On the quiet end sit mortgage stress (13/100). It additionally carries heavy environmental risk: climate & FEMA risk (73/100), flood (NFIP) exposure (71/100), FEMA disaster exposure (70/100). The latent-versus-live split is 68/100 structural and 4/100 already moving.

Prices here sit in a peak phase: values rose 3.1% over the trailing year, and 37% higher over three years (phase confidence 24/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Median household income is $79,886, near the U.S. median near $78,000. Vacancy runs 12.9%, above the national norm and a classic distress-and-opportunity signal. About 21% have a four-year degree. Rent burden reaches 0% of tenant households. DLRadar's demographic-stress index for the area reads 17/100. Population is roughly 1,002 with a median age of 50. There are about 425 housing units across 46180. The tenure split is 96% owner-occupied to 4% rented. The poverty rate is 4.1% — low. The typical home is worth about $228,600 (2.2× income, relatively affordable).

On the whole, 46180 leans distressed, with opportunity clustered in specific stressed parcels. No parcel file is published for 46180 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

Whether 46180 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 46180 can be compared directly against any other ZIP in Morgan County, Indiana or nationwide. 46180 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

Each component behind 46180 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 30/100 roll-up. For a buyer, 46180 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.