ZIP 46635 Foreclosure, Tax-Lien & Distress Report

ZIP 46635's composite property-distress score is 21/100 - DLRadar classes that as low for St. Joseph County, Indiana. The split runs 42/100 structural to 1/100 active on the ground. Environmental exposure also runs high (climate & FEMA risk (86/100)). The sharpest non-environmental signals are 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).

The market reads expansion — home values rose 6.1% year on year, and 32% higher over three years, at 36/100 phase confidence. Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

The typical home is worth about $208,400 (2.4× income, relatively affordable). The tenure split is 79% owner-occupied to 21% rented. 6,552 residents call 46635 home, typically aged 43. Vacancy runs 8.0%. Around 21% of renters are cost-burdened. At $79,416, median income runs near typical U.S. levels. The poverty rate is 3.5% — low. Educational attainment sits at 39% bachelor's-or-above. There are about 2,972 housing units across 46635. DLRadar's demographic-stress index for the area reads 21/100.

On balance, 46635 reads as a higher-equity, stable market where distress is selective and worth pinpointing parcel by parcel. 46635 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

The number is not local guesswork: 46635's 21/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. Sparse data for 46635 shows as blanks, never estimates, and the score updates on every fresh public filing.

46635's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. For a buyer, 46635 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.