ZIP 46528 Foreclosure, Tax-Lien & Distress Report

ZIP code 46528 in Elkhart County, Indiana carries a composite property-distress score of 25/100 — a low reading on DLRadar's deterministic public-record index. What sets it apart are the readings on construction/permit lag (72/100), structural risk (56/100), institutional ownership (15/100). By contrast, institutional ownership (15/100) and mortgage stress (7/100) register low. Climate and flood risk are elevated too — climate & FEMA risk (84/100), flood (NFIP) exposure (66/100). Structurally it carries 56/100, against 2/100 of stress already in motion.

The peak-phase market in 46528 posted values that rose 5.0% over the year, and 19% higher over three years, at 29/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

About 25% have a four-year degree. About 26,356 people live here, median age 32. The tenure split is 79% owner-occupied to 21% rented. The ZIP holds roughly 8,476 housing units. Roughly 13.6% live below the poverty line. The demographic-stress sub-score lands at 30/100. At $77,620, median income runs near typical U.S. levels. The vacancy rate is 6.8%. Rent burden reaches 41% of tenant households. The typical home is worth about $247,600 (3.1× income, relatively affordable).

Net-net, 46528 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. Parcel-level detail for 46528 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

Whether 46528 runs hot or quiet, its 25/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 46528 can be compared directly against any other ZIP in Elkhart County, Indiana or nationwide. Where the public record is thin for 46528, the field stays empty rather than modeled, and fills in as new documents post.

46528'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 46528 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.