ZIP 46637 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 46637 (St. Joseph County, Indiana) at a low 21/100 for overall property distress. Structurally it carries 42/100, against 1/100 of stress already in motion. It additionally carries heavy environmental risk: climate & FEMA risk (86/100). Its standout 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 17% higher over three years (phase confidence 36/100). Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

There are about 8,573 housing units across 46637. A median home runs $207,100 here, or 2.6 times local income. Rent burden reaches 44% of tenant households. 69% of housing is owner-occupied. The vacancy rate is 13.3% — elevated. On demographic stress specifically, 46637 scores 27/100. About 38% have a four-year degree. Median household income is $72,401, near the U.S. median near $78,000. 16,079 residents call 46637 home, typically aged 39. 9.7% of residents fall below the poverty threshold.

On the whole, 46637 leans distressed, with opportunity clustered in specific stressed parcels. There is no property file for 46637 at the moment; the composite and its components are still built from verifiable public records.

Whether 46637 runs hot or quiet, its 21/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 46637 can be compared directly against any other ZIP in St. Joseph County, Indiana or nationwide. Where the public record is thin for 46637, the field stays empty rather than modeled, and fills in as new documents post.

The 21/100 for 46637 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. Practically, 46637 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.