ZIP 46524 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 46524 (Kosciusko County, Indiana) returns a low composite of 21/100. It additionally carries heavy environmental risk: flood (NFIP) exposure (70/100), climate & FEMA risk (67/100). On the structural side it scores 45/100, with 1/100 of stress already active. The most distinctive pressure shows up in structural risk (45/100), institutional ownership (44/100), mortgage stress (5/100). On the quiet end sit mortgage stress (5/100) and construction/permit lag (3/100).

The peak-phase market in 46524 posted values that rose 4.3% over the year, and 32% higher over three years (phase confidence 26/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Households earn a median $75,313 — near the roughly $78,000 national figure. 5.0% of residents fall below the poverty threshold. Population is roughly 2,133 with a median age of 29. About 3% have a four-year degree. Vacancy runs 17.2%, above the national norm and a classic distress-and-opportunity signal. Owners hold 95% of homes, renters 5%. Rent burden reaches 0% of tenant households. A median home runs $178,100 here, or 2.2 times local income. The demographic-stress sub-score lands at 21/100. There are about 652 housing units across 46524.

On the whole, 46524 leans distressed, with opportunity clustered in specific stressed parcels. Parcel-level detail for 46524 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

The 46524 read uses the identical public-record model applied coast to coast, which means its 21/100 score means exactly what it means anywhere else, and 46524 stays directly comparable to neighboring ZIPs and the rest of Kosciusko County, Indiana. Every figure is auditable to a public dataset and refreshed on ingest; 46524 shows blanks, not estimates, wherever the record is sparse.

Behind 46524's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. Practically, 46524 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.