ZIP 46725 Foreclosure, Tax-Lien & Distress Report

In Whitley County, Indiana, ZIP 46725 scores 9 of 100 for composite distress, a minimal level on DLRadar's distress index. What sets it apart are the readings on construction/permit lag (32/100), structural risk (20/100), institutional ownership (5/100). On the quiet end sit institutional ownership (5/100) and mortgage stress (3/100). The split runs 20/100 structural to 1/100 active on the ground.

The neutral-phase market in 46725 posted values that rose 4.2% over the year, and 20% higher over three years, at 22/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

The tenure split is 79% owner-occupied to 21% rented. There are about 10,542 housing units across 46725. The vacancy rate is 8.4%. Around 34% of renters are cost-burdened. Population is roughly 22,941 with a median age of 42. The demographic-stress sub-score lands at 26/100. The typical home is worth about $228,900 (2.8× income, relatively affordable). At $76,214, median income runs near typical U.S. levels. The poverty rate is 8.8%. Around 25% of adults hold a bachelor's degree or higher.

Net-net, 46725 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. Parcel-level detail for 46725 is not published yet -- the ZIP-level readings above remain fully sourced.

No ZIP is too small to score: 46725 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 9/100 composite is a like-for-like number rather than an isolated estimate. Every figure is auditable to a public dataset and refreshed as records update; 46725 shows blanks, not estimates, wherever the record is sparse.

Behind 46725'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. Practically, 46725 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.