ZIP 46561 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 46561 (St. Joseph County, Indiana) returns a low composite of 21/100. Structural exposure scores 44 and live distress 1 on the 0–100 scale. The pressure is most legible in structural risk (44/100), construction/permit lag (28/100), institutional ownership (27/100). On the quiet end sit institutional ownership (27/100) and mortgage stress (3/100). Climate and flood risk are elevated too — climate & FEMA risk (86/100).

The market reads expansion — home values rose 6.0% year on year, and 20% higher over three years, at 34/100 phase confidence. Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

Vacancy runs 3.1%. Home values center near $230,600, an affordability ratio of 2.5× — accessible. The ZIP holds roughly 5,236 housing units. Around 27% of renters are cost-burdened. Population is roughly 14,499 with a median age of 38. DLRadar's demographic-stress index for the area reads 24/100. 86% of housing is owner-occupied. Educational attainment sits at 26% bachelor's-or-above. Households earn a median $83,520 — near the roughly $78,000 national figure. Roughly 10.8% live below the poverty line.

On balance, 46561 reads as a higher-equity, stable market where distress is selective and worth pinpointing parcel by parcel. 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, 46561's 21/100 can be lined up against any neighbor in St. Joseph County, Indiana or any ZIP coast to coast. Every figure is auditable to a public dataset and refreshed on ingest; 46561 shows blanks, not estimates, wherever the record is sparse.

The 21/100 figure for 46561 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. Practically, 46561 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.