ZIP 46614 Foreclosure, Tax-Lien & Distress Report

In St. Joseph County, Indiana, ZIP 46614 scores 21 of 100 for composite distress, a low level on DLRadar's public-record index. Its heaviest discrete signals: 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. Environmental exposure also runs high (climate & FEMA risk (86/100)).

Prices here sit in a expansion phase: values rose 6.1% over the trailing year, and 21% higher over three years, at 36/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

Median household income is $70,998, near the U.S. median near $78,000. Around 38% of renters are cost-burdened. The ZIP holds roughly 12,876 housing units. About 29,339 people live here, median age 41. On demographic stress specifically, 46614 scores 25/100. The vacancy rate is 4.8%. About 34% have a four-year degree. Owners hold 78% of homes, renters 22%. 9.9% of residents fall below the poverty threshold. A median home runs $187,500 here, or 2.5 times local income.

Net-net, 46614 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. Parcel-level detail for 46614 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

Big metro or rural, 46614 runs through one identical public-record model, so its 21/100 sits on the same scale as every other ZIP in St. Joseph County, Indiana and the nation. The score is rebuilt from public data as it updates, so 46614 reflects the current record instead of a stale or modeled snapshot.

Behind 46614'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. In workflow terms, 46614 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.