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County and ZIP scoring, cycle position, and the current day opportunities.

ZIP 46764 Foreclosure, Tax-Lien & Distress Report

Whitley County, Indiana · Distress market

Scored purely from public records, 46764 (Whitley County, Indiana) returns a minimal composite of 11/100. The latent-versus-live split is 25/100 structural and 1/100 already moving. What sets it apart are the readings on construction/permit lag (46/100), structural risk (25/100), institutional ownership (6/100). By contrast, institutional ownership (6/100) and mortgage stress (3/100) register low.

Prices here sit in a neutral phase: values rose 4.2% over the trailing year, and 13% higher over three years (phase confidence 22/100). Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

The demographic-stress sub-score lands at 34/100. The poverty rate is 14.1%. 94% of housing is owner-occupied. Around 72% of renters are cost-burdened. There are about 659 housing units across 46764. Around 20% of adults hold a bachelor's degree or higher. The typical home is worth about $261,300 (3.4× income, relatively affordable). About 1,697 people live here, median age 37. Median household income is $66,818, below the U.S. median near $78,000. Vacancy runs 7.4%.

Net-net, 46764 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

Because one deterministic model scores every ZIP, 46764's 11/100 can be lined up against any neighbor in Whitley County, Indiana or any ZIP coast to coast. Nothing here is interpolated — where a source is thin for 46764, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

Each component behind 46764 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 11/100 roll-up. For a buyer, 46764 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.

11/100
Composite stress
25/100
Structural risk
1/100
Distress activity

Signal-by-signal read on 46764

Foreclosure activity0
Mortgage stress3
Climate / FEMA risk31
46764 carries 9 additional scored dimensions

Tax arrears, institutional buyers, insurance load, flood exposure, stalled construction, dislocated pricing and auction velocity — together with the 0 individual distressed properties carry owner, address, APN, a parcel-level score and an exit read in the full DLRadar file.

46764 at a glance

Live ZIP-level distress, market-phase, housing and bank-pressure read — the same report attached to every property.

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Adjacent Whitley County ZIP reports

Keep exploring Indiana distress

Further distress data across Whitley County, Indiana at ZIP, county and state level.

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Each signal above is traceable to an open dataset · methodology

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