ZIP 46312 Foreclosure, Tax-Lien & Distress Report

Lake County, Indiana's ZIP 46312 registers 33/100 composite distress, which DLRadar reads as moderate. Environmental exposure also runs high (climate & FEMA risk (96/100), FEMA disaster exposure (71/100), flood (NFIP) exposure (68/100)). The pressure is most legible in structural risk (71/100), construction/permit lag (58/100), institutional ownership (54/100). On the quiet end sit mortgage stress (8/100). Structural exposure scores 71 and live distress 2 on the 0–100 scale.

Prices here sit in a peak phase: values rose 4.3% over the trailing year, and 35% higher over three years, at 26/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Home values center near $105,400, an affordability ratio of 2.3× — accessible. Around 37% of renters are cost-burdened. About 26,158 people live here, median age 37. The vacancy rate is 19.6% — elevated. Owners hold 44% of homes, renters 56%. The demographic-stress sub-score lands at 35/100. There are about 12,365 housing units across 46312. Roughly 27.0% live below the poverty line, elevated and often tied to deferred-maintenance inventory. Around 10% of adults hold a bachelor's degree or higher. Households earn a median $41,071 — below the roughly $78,000 national figure.

On the whole, 46312 leans distressed, with opportunity clustered in specific stressed parcels. 46312 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: 46312 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 33/100 composite is a like-for-like number rather than an isolated estimate. 46312 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

46312's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. The point of the 46312 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.