ZIP 46321 Foreclosure, Tax-Lien & Distress Report

In Lake County, Indiana, ZIP 46321 scores 33 of 100 for composite distress, a moderate level on DLRadar's distress index. Structural exposure scores 72 and live distress 2 on the 0–100 scale. What sets it apart are the readings on structural risk (72/100), construction/permit lag (58/100), institutional ownership (53/100). By contrast, mortgage stress (8/100) register low. Climate and flood risk are elevated too — climate & FEMA risk (96/100), flood (NFIP) exposure (75/100), FEMA disaster exposure (68/100).

The peak-phase market in 46321 posted values that rose 4.3% over the year, and 12% higher over three years (phase confidence 26/100). Topping markets hide individual distress behind strong averages.

Vacancy runs 4.2%. The tenure split is 86% owner-occupied to 14% rented. The typical home is worth about $334,300 (3.0× income, relatively affordable). On demographic stress specifically, 46321 scores 25/100. 7.3% of residents fall below the poverty threshold. Educational attainment sits at 48% bachelor's-or-above. About 23,733 people live here, median age 45. At $105,764, median income runs above typical U.S. levels. There are about 9,814 housing units across 46321. Rent burden reaches 47% of tenant households.

Overall, 46321 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. 46321 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

Big metro or rural, 46321 runs through one identical scoring model, so its 33/100 sits on the same scale as every other ZIP in Lake County, Indiana and the nation. Sparse data for 46321 shows as blanks, never estimates, and the score updates on every fresh public filing.

The 33/100 figure for 46321 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. In workflow terms, 46321 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.