ZIP 46776 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 46776 (Steuben County, Indiana) returns a minimal composite of 12/100. Property-level stress concentrates in construction/permit lag (66/100), structural risk (28/100), mortgage stress (6/100). By contrast, mortgage stress (6/100) and institutional ownership (3/100) register low. On the structural side it scores 28/100, with 2/100 of stress already active.

Prices here sit in a peak phase: values rose 4.4% over the trailing year, and 35% higher over three years, at 27/100 phase confidence. Topping markets hide individual distress behind strong averages.

Owners hold 82% of homes, renters 18%. The poverty rate is 7.9%. About 1,607 people live here, median age 45. The ZIP holds roughly 913 housing units. The typical home is worth about $208,700 (3.4× income, relatively affordable). The vacancy rate is 24.7% — elevated. About 12% have a four-year degree. Rent burden reaches 11% of tenant households. At $54,866, median income runs below typical U.S. levels. On demographic stress specifically, 46776 scores 27/100.

On the whole, 46776 leans distressed, with opportunity clustered in specific stressed parcels. While 46776 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

Whether 46776 runs hot or quiet, its 12/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 46776 can be compared directly against any other ZIP in Steuben County, Indiana or nationwide. Every figure is auditable to a public dataset and refreshed on ingest; 46776 shows blanks, not estimates, wherever the record is sparse.

Behind 46776'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, 46776 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.