ZIP 46814 Foreclosure, Tax-Lien & Distress Report

In Allen County, Indiana, ZIP 46814 scores 24 of 100 for composite distress, a low level on DLRadar's public-record index. Its standout signals are construction/permit lag (51/100), structural risk (51/100), institutional ownership (30/100). By contrast, institutional ownership (30/100) and mortgage stress (3/100) register low. It additionally carries heavy environmental risk: climate & FEMA risk (83/100). The latent-versus-live split is 51/100 structural and 1/100 already moving.

The neutral-phase market in 46814 posted values that rose 4.2% over the year, and 23% higher over three years, at 22/100 phase confidence. Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

Median household income is $143,245, above the U.S. median near $78,000. Owners hold 92% of homes, renters 8%. The poverty rate is 2.8% — low. Around 39% of renters are cost-burdened. Around 62% of adults hold a bachelor's degree or higher. A median home runs $399,300 here, or 2.7 times local income. The ZIP holds roughly 5,914 housing units. On demographic stress specifically, 46814 scores 21/100. 16,906 residents call 46814 home, typically aged 37. Vacancy runs 4.8%.

Broadly, 46814 is a steadier market — the deals are the exceptions, not the rule. There is no property file for 46814 at the moment; the composite and its components are still built from verifiable public records.

Whether 46814 runs hot or quiet, its 24/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 46814 can be compared directly against any other ZIP in Allen County, Indiana or nationwide. Sparse data for 46814 shows as blanks, never estimates, and the score updates on every fresh public filing.

Behind 46814'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. For a buyer, 46814 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.