ZIP 46538 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 46538 (Kosciusko County, Indiana) lands at 21/100 — low on DLRadar's public-record scoring. On the structural side it scores 45/100, with 1/100 of stress already active. Environmental exposure also runs high (flood (NFIP) exposure (71/100), climate & FEMA risk (67/100)). Its heaviest discrete signals: structural risk (45/100), institutional ownership (44/100), mortgage stress (5/100). By contrast, mortgage stress (5/100) and construction/permit lag (2/100) register low.

The market reads peak — home values rose 4.3% year on year, and 24% higher over three years (phase confidence 26/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

4,369 residents call 46538 home, typically aged 43. 5.0% of residents fall below the poverty threshold. The vacancy rate is 38.6% — elevated. About 31% have a four-year degree. There are about 2,675 housing units across 46538. On demographic stress specifically, 46538 scores 30/100. A median home runs $270,600 here, or 3.0 times local income. Households earn a median $86,923 — near the roughly $78,000 national figure. 85% of housing is owner-occupied. Rent burden reaches 49% of tenant households.

Net-net, 46538 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. No parcel file is published for 46538 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

The 46538 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 46538 stays directly comparable to neighboring ZIPs and the rest of Kosciusko County, Indiana. Nothing here is interpolated — where a source is thin for 46538, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

Behind 46538'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. For a buyer, 46538 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.