ZIP 46545 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 46545 (St. Joseph County, Indiana) lands at 21/100 — low on DLRadar's public-record scoring. Environmental exposure also runs high (climate & FEMA risk (86/100)). The most distinctive pressure shows up in structural risk (42/100), institutional ownership (28/100), construction/permit lag (23/100). construction/permit lag (23/100) and mortgage stress (3/100) stay muted. On the structural side it scores 42/100, with 1/100 of stress already active.

The expansion-phase market in 46545 posted values that rose 6.1% over the year, and 27% higher over three years, at 36/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

A median home runs $177,900 here, or 3.1 times local income. 49% of housing is owner-occupied. The ZIP holds roughly 12,983 housing units. Educational attainment sits at 31% bachelor's-or-above. The poverty rate is 11.6%. The vacancy rate is 9.2%. Households earn a median $55,889 — below the roughly $78,000 national figure. DLRadar's demographic-stress index for the area reads 31/100. About 26,581 people live here, median age 38. Around 38% of renters are cost-burdened.

Overall, 46545 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. There is no property file for 46545 at the moment; the composite and its components are still built from verifiable public records.

No ZIP is too small to score: 46545 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 21/100 composite is a like-for-like number rather than an isolated estimate. Where the public record is thin for 46545, the field stays empty rather than modeled, and fills in as new documents post.

The 21/100 figure for 46545 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. The point of the 46545 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.