ZIP 46514 Foreclosure, Tax-Lien & Distress Report

ZIP 46514's composite property-distress score is 25/100 - DLRadar classes that as low for Elkhart County, Indiana. Climate and flood risk are elevated too — climate & FEMA risk (84/100), flood (NFIP) exposure (66/100). The pressure is most legible in construction/permit lag (72/100), structural risk (56/100), institutional ownership (15/100). institutional ownership (15/100) and mortgage stress (7/100) stay muted. Structural exposure scores 56 and live distress 2 on the 0–100 scale.

The peak-phase market in 46514 posted values that rose 5.0% over the year, and 20% higher over three years, at 29/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

A median home runs $197,800 here, or 2.8 times local income. Households earn a median $61,784 — below the roughly $78,000 national figure. There are about 18,002 housing units across 46514. The vacancy rate is 8.6%. DLRadar's demographic-stress index for the area reads 29/100. 11.2% of residents fall below the poverty threshold. The tenure split is 72% owner-occupied to 28% rented. Around 21% of adults hold a bachelor's degree or higher. 41,480 residents call 46514 home, typically aged 40. Rent burden reaches 41% of tenant households.

Overall, 46514 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

The number is not local guesswork: 46514's 25/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. Sparse data for 46514 shows as blanks, never estimates, and the score updates on every fresh public filing.

46514's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. The point of the 46514 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.