ZIP 46613 Foreclosure, Tax-Lien & Distress Report

In St. Joseph County, Indiana, ZIP 46613 scores 21 of 100 for composite distress, a low level on DLRadar's public-record index. On the structural side it scores 42/100, with 1/100 of stress already active. Climate and flood risk are elevated too — climate & FEMA risk (86/100). Leading the profile are structural risk (42/100), institutional ownership (28/100), construction/permit lag (23/100). By contrast, construction/permit lag (23/100) and mortgage stress (3/100) register low.

Prices here sit in a expansion phase: values rose 6.1% over the trailing year, and 35% higher over three years (phase confidence 36/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

About 11,726 people live here, median age 28. There are about 4,758 housing units across 46613. The typical home is worth about $82,800 (1.7× income, relatively affordable). The vacancy rate is 14.9% — elevated. The tenure split is 55% owner-occupied to 45% rented. Median household income is $41,625, below the U.S. median near $78,000. Roughly 33.7% live below the poverty line, elevated and often tied to deferred-maintenance inventory. DLRadar's demographic-stress index for the area reads 34/100. Rent burden reaches 43% of tenant households. About 13% have a four-year degree.

Taken together, 46613 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. 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, 46613'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; 46613 shows blanks, not estimates, wherever the record is sparse.

The 21/100 figure for 46613 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 46613 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.