ZIP 46536 Foreclosure, Tax-Lien & Distress Report
St. Joseph County, Indiana · Distress market
Composite property distress in 46536 (St. Joseph County, Indiana) lands at 19/100 — low on DLRadar's distress scoring. Latent structural risk is 38/100 while live distress already moving reads 1/100. Climate and flood risk are elevated too — climate & FEMA risk (83/100), FEMA disaster exposure (61/100). The sharpest non-environmental signals are structural risk (38/100), institutional ownership (33/100), mortgage stress (4/100). By contrast, institutional ownership (33/100) and mortgage stress (4/100) register low.
Prices here sit in a expansion phase: values rose 6.0% over the trailing year, and 22% higher over three years (phase confidence 34/100). Even climbing markets leave specific parcels in distress; the scoring isolates them.
3,086 residents call 46536 home, typically aged 44. The typical home is worth about $227,000 (2.7× income, relatively affordable). On demographic stress specifically, 46536 scores 27/100. Rent burden reaches 39% of tenant households. The vacancy rate is 11.1%. 6.5% of residents fall below the poverty threshold. Owners hold 83% of homes, renters 17%. Educational attainment sits at 19% bachelor's-or-above. There are about 1,364 housing units across 46536. At $77,411, median income runs near typical U.S. levels.
Overall, 46536 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.
Because one deterministic model scores every ZIP, 46536's 19/100 can be lined up against any neighbor in St. Joseph County, Indiana or any ZIP coast to coast. The score is rebuilt from public data as it updates, so 46536 reflects the current record instead of a stale or modeled snapshot.
46536's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. Treat 46536 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.
What is driving ZIP 46536’s distress
Tax arrears, institutional buyers, insurance load, flood exposure, stalled construction, dislocated pricing and auction velocity — together with the 0 individual distressed properties carry owner, address, APN, a parcel-level score and an exit read in the full DLRadar file.
ZIP 46536 Stress Report snapshot
Current distress, phase, housing and lender-pressure figures for 46536, drawn from the same report attached to each property.
More ZIPs across St. Joseph County
Nearest ZIP codes to 46536
By straight-line distance between ZIP centers — the surrounding market, whichever county or state line it crosses.
Related reports across St. Joseph County, Indiana
More ZIP, county and state distress intelligence connected to St. Joseph County, Indiana.
See every distressed parcel in 46536
See who owns each distressed property in 46536, where it is, its APN and score, the bank behind it and how fast it should exit — then open its owner and lender records in one click. Continuously refreshed, nationwide.
Rules-based scoring — each signal ties to a public dataset · methodology