ZIP 46545 Foreclosure, Tax-Lien & Distress Report
St. Joseph County, Indiana · Affordable market
Composite property distress in 46545 (St. Joseph County, Indiana) lands at 19/100 — low on DLRadar's distress scoring. Environmental exposure also runs high (climate & FEMA risk (86/100), FEMA disaster exposure (60/100)). The most distinctive pressure shows up in structural risk (38/100), institutional ownership (33/100), mortgage stress (3/100). institutional ownership (33/100) and mortgage stress (3/100) stay muted. On the structural side it scores 38/100, 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 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 19/100 composite is a like-for-like number rather than an isolated estimate. Where the record is thin for 46545, the field stays empty rather than modeled, and fills in as new documents post.
The 19/100 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.
ZIP 46545 distress signals, scored
Unpaid tax, corporate ownership share, insurance cost pressure, NFIP flood risk, construction slowdown, price gaps and auction turnover — plus the 0 individual distressed properties are broken out by owner, address, APN, per-property score and exit read inside DLRadar.
46545 at a glance
Real-time distress, cycle phase, housing and bank-stress readings for 46545, the same set carried on every parcel.
Neighbouring ZIPs in St. Joseph County
Nearest ZIP codes to 46545
By straight-line distance between ZIP centers — the surrounding market, whichever county or state line it crosses.
Explore related distress reports
Other reports tied to St. Joseph County, Indiana — ZIP, county and statewide.
Get the full acquisition report for 46545
Every distressed parcel in 46545 comes with owner and address, APN, its own distress score, bank exposure and an exit-velocity read — plus a one-click path to owner and lender records, refreshed continuously nationwide.
Built from public records, scored the same way everywhere · methodology