ZIP 46745 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 46745 (Allen County, Indiana) lands at 26/100 — low on DLRadar's public-record scoring. The latent-versus-live split is 55/100 structural and 1/100 already moving. Climate and flood risk are elevated too — climate & FEMA risk (91/100). Its standout signals are structural risk (55/100), construction/permit lag (51/100), institutional ownership (33/100). By contrast, institutional ownership (33/100) and mortgage stress (3/100) register low.

The market reads neutral — home values rose 4.2% year on year, and 35% higher over three years, at 22/100 phase confidence. Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

1,895 residents call 46745 home, typically aged 42. The vacancy rate is 0.9%. Home values center near $242,400, an affordability ratio of 2.6× — accessible. 7.9% of residents fall below the poverty threshold. The ZIP holds roughly 681 housing units. Around 100% of renters are cost-burdened. Owners hold 98% of homes, renters 2%. Educational attainment sits at 28% bachelor's-or-above. Median household income is $89,632, above the U.S. median near $78,000. On demographic stress specifically, 46745 scores 33/100.

Overall, 46745 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. 46745 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

Whether 46745 runs hot or quiet, its 26/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 46745 can be compared directly against any other ZIP in Allen County, Indiana or nationwide. Where the public record is thin for 46745, the field stays empty rather than modeled, and fills in as new documents post.

The 26/100 for 46745 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. In workflow terms, 46745 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.