ZIP 46323 Foreclosure, Tax-Lien & Distress Report

On DLRadar's 0-100 public-record scale, ZIP 46323 in Lake County, Indiana comes in at 33, a moderate composite-distress reading. The latent-versus-live split is 71/100 structural and 2/100 already moving. It additionally carries heavy environmental risk: 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).

Prices here sit in a peak phase: values rose 4.3% over the trailing year, and 19% higher over three years, at 26/100 phase confidence. Topping markets hide individual distress behind strong averages.

The ZIP holds roughly 8,978 housing units. Median household income is $56,906, below the U.S. median near $78,000. Population is roughly 23,184 with a median age of 37. Vacancy runs 7.4%. A median home runs $166,400 here, or 2.6 times local income. Around 16% of adults hold a bachelor's degree or higher. On demographic stress specifically, 46323 scores 32/100. Roughly 15.2% live below the poverty line. 67% of housing is owner-occupied. Around 51% of renters are cost-burdened.

On balance 46323 is mixed, rewarding parcel-by-parcel screening over broad assumptions. While 46323 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

The 46323 read uses the identical public-record model applied coast to coast, which means its 33/100 score means exactly what it means anywhere else, and 46323 stays directly comparable to neighboring ZIPs and the rest of Lake County, Indiana. Nothing here is interpolated — where a source is thin for 46323, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

The 33/100 figure for 46323 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. Treat 46323 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.