ZIP 46382 Foreclosure, Tax-Lien & Distress Report

On DLRadar's 0-100 public-record scale, ZIP 46382 in Laporte County, Indiana comes in at 24, a low composite-distress reading. Its heaviest discrete signals: structural risk (51/100), construction/permit lag (50/100), institutional ownership (39/100). institutional ownership (39/100) and mortgage stress (4/100) stay muted. Environmental exposure also runs high (climate & FEMA risk (79/100), FEMA disaster exposure (71/100)). On the structural side it scores 51/100, with 1/100 of stress already active.

The market reads expansion — home values rose 7.0% year on year, and 31% higher over three years (phase confidence 53/100). Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

DLRadar's demographic-stress index for the area reads 20/100. 2.8% of residents fall below the poverty threshold. Around 15% of adults hold a bachelor's degree or higher. The ZIP holds roughly 786 housing units. About 1,833 people live here, median age 54. Households earn a median $95,278 — above the roughly $78,000 national figure. 100% of housing is owner-occupied. The vacancy rate is 9.9%. A median home runs $214,400 here, or 2.0 times local income.

Overall 46382 looks resilient on the surface, so the edge is isolating individual stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

No ZIP is too small to score: 46382 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 24/100 composite is a like-for-like number rather than an isolated estimate. Every figure is auditable to a public dataset and refreshed on ingest; 46382 shows blanks, not estimates, wherever the record is sparse.

The 24/100 figure for 46382 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 an operator, 46382 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.