ZIP 46615 Foreclosure, Tax-Lien & Distress Report

In St. Joseph County, Indiana, ZIP 46615 scores 21 of 100 for composite distress, a low level on DLRadar's public-record index. Environmental exposure also runs high (climate & FEMA risk (86/100)). Its heaviest discrete signals: structural risk (42/100), institutional ownership (28/100), construction/permit lag (23/100). On the quiet end sit construction/permit lag (23/100) and mortgage stress (3/100). Latent structural risk is 42/100 while live distress already moving reads 1/100.

The expansion-phase market in 46615 posted values that rose 6.1% over the year, and 21% higher over three years (phase confidence 36/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

Home values center near $139,600, an affordability ratio of 2.2× — accessible. Rent burden reaches 31% of tenant households. About 14,411 people live here, median age 35. Vacancy runs 12.9%, above the national norm and a classic distress-and-opportunity signal. The tenure split is 62% owner-occupied to 38% rented. Roughly 18.5% live below the poverty line, elevated and often tied to deferred-maintenance inventory. On demographic stress specifically, 46615 scores 27/100. There are about 7,261 housing units across 46615. At $57,983, median income runs below typical U.S. levels. About 33% have a four-year degree.

Taken together, 46615 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Parcel-level detail for 46615 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

The number is not local guesswork: 46615's 21/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. Nothing here is interpolated — where a source is thin for 46615, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

46615's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. For a buyer, 46615 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.