ZIP 46530 Foreclosure, Tax-Lien & Distress Report

In St. Joseph County, Indiana, ZIP 46530 scores 21 of 100 for composite distress, a low level on DLRadar's public-record index. On the structural side it scores 44/100, with 1/100 of stress already active. Leading the profile are structural risk (44/100), construction/permit lag (27/100), institutional ownership (26/100). By contrast, institutional ownership (26/100) and mortgage stress (3/100) register low. Climate and flood risk are elevated too — climate & FEMA risk (86/100).

The expansion-phase market in 46530 posted values that rose 6.0% over the year, and 13% higher over three years (phase confidence 34/100). Even climbing markets leave specific parcels in distress; the scoring isolates them.

86% of housing is owner-occupied. The typical home is worth about $345,400 (2.8× income, relatively affordable). Rent burden reaches 49% of tenant households. Educational attainment sits at 54% bachelor's-or-above. The ZIP holds roughly 11,994 housing units. On demographic stress specifically, 46530 scores 24/100. About 31,907 people live here, median age 40. Households earn a median $114,684 — above the roughly $78,000 national figure. The vacancy rate is 3.9%. Roughly 5.3% live below the poverty line, a low share typical of higher-equity areas.

Broadly, 46530 is a steadier market — the deals are the exceptions, not the rule. Parcel-level detail for 46530 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

Big metro or rural, 46530 runs through one identical public-record model, so its 21/100 sits on the same scale as every other ZIP in St. Joseph County, Indiana and the nation. Sparse data for 46530 shows as blanks, never estimates, and the score updates on every fresh public filing.

The 21/100 for 46530 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. Practically, 46530 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.