ZIP 46405 Foreclosure, Tax-Lien & Distress Report

On DLRadar's 0-100 public-record scale, ZIP 46405 in Lake County, Indiana comes in at 33, a moderate composite-distress reading. The pressure is most legible in structural risk (71/100), construction/permit lag (58/100), institutional ownership (54/100). mortgage stress (8/100) stay muted. On the structural side it scores 71/100, with 2/100 of stress already active. Environmental exposure also runs high (climate & FEMA risk (96/100), FEMA disaster exposure (72/100), flood (NFIP) exposure (68/100)).

Prices here sit in a peak phase: values rose 4.3% over the trailing year, and 30% higher over three years (phase confidence 26/100). Topping markets hide individual distress behind strong averages.

There are about 4,632 housing units across 46405. Roughly 13.1% live below the poverty line. At $57,005, median income runs below typical U.S. levels. The vacancy rate is 8.2%. 11,509 residents call 46405 home, typically aged 37. Home values center near $139,200, an affordability ratio of 2.2× — accessible. Around 10% of adults hold a bachelor's degree or higher. The demographic-stress sub-score lands at 28/100. Around 33% of renters are cost-burdened. 72% of housing is owner-occupied.

Net-net, 46405 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. Parcel-level detail for 46405 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

Because one deterministic model scores every ZIP, 46405's 33/100 can be lined up against any neighbor in Lake County, Indiana or any ZIP coast to coast. Where the public record is thin for 46405, the field stays empty rather than modeled, and fills in as new documents post.

The 33/100 figure for 46405 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. The point of the 46405 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.