ZIP 46738 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 46738 (Dekalb County, Indiana) lands at 15/100 — low on DLRadar's public-record scoring. Structural exposure scores 36 and live distress 2 on the 0–100 scale. Environmental exposure also runs high (flood (NFIP) exposure (67/100)). Its heaviest discrete signals: construction/permit lag (39/100), structural risk (36/100), institutional ownership (16/100). By contrast, institutional ownership (16/100) and mortgage stress (7/100) register low.

The peak-phase market in 46738 posted values that rose 4.3% over the year, and 5% higher over three years (phase confidence 26/100). Topping markets hide individual distress behind strong averages.

8,462 residents call 46738 home, typically aged 40. The typical home is worth about $164,200 (2.5× income, relatively affordable). The ZIP holds roughly 3,920 housing units. Owners hold 84% of homes, renters 16%. Vacancy runs 7.7%. About 17% have a four-year degree. The demographic-stress sub-score lands at 25/100. The poverty rate is 12.2%. Median household income is $62,212, below the U.S. median near $78,000. Rent burden reaches 24% of tenant households.

Overall, 46738 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. No parcel file is published for 46738 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

No ZIP is too small to score: 46738 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 15/100 composite is a like-for-like number rather than an isolated estimate. Nothing here is interpolated — where a source is thin for 46738, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

The 15/100 figure for 46738 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. For a buyer, 46738 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.