ZIP 46805 Foreclosure, Tax-Lien & Distress Report
Allen County, Indiana · Affordable market
On DLRadar's 0-100 public-record scale, ZIP 46805 in Allen County, Indiana comes in at 26, a low composite-distress reading. Environmental exposure also runs high (climate & FEMA risk (91/100)). On the structural side it scores 55/100, with 1/100 of stress already active. The sharpest non-environmental 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 neutral-phase market in 46805 posted values that rose 4.2% over the year, and 23% higher over three years, at 22/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.
Median household income is $50,099, below the U.S. median near $78,000. The vacancy rate is 9.4%. Around 37% of renters are cost-burdened. About 28% have a four-year degree. The demographic-stress sub-score lands at 29/100. The tenure split is 56% owner-occupied to 44% rented. Roughly 15.8% live below the poverty line. About 21,851 people live here, median age 35. The ZIP holds roughly 10,705 housing units. A median home runs $154,200 here, or 2.6 times local income.
On balance 46805 is mixed, rewarding parcel-by-parcel screening over broad assumptions. While 46805 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.
Big metro or rural, 46805 runs through one identical public-record model, so its 26/100 sits on the same scale as every other ZIP in Allen County, Indiana and the nation. Nothing here is interpolated — where a source is thin for 46805, DLRadar leaves it blank rather than guessing, and re-scores as new records post.
The 26/100 figure for 46805 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. In workflow terms, 46805 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.
What is driving ZIP 46805’s distress
Delinquent tax, institutional holdings, insurance strain, flood/NFIP exposure, build-out lag, price dislocation and auction pace — along with the 0 individual distressed properties — each with owner, address, APN, its own distress score and an exit read — are in the full report.
Snapshot: 46805 by the numbers
Current distress, phase, housing and lender-pressure figures for 46805, drawn from the same report attached to each property.
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No modelling: every input is a public record · methodology