ZIP 46816 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 46816 (Allen County, Indiana) returns a low composite of 26/100. Property-level stress concentrates in structural risk (55/100), construction/permit lag (51/100), institutional ownership (33/100). On the quiet end sit institutional ownership (33/100) and mortgage stress (3/100). Climate and flood risk are elevated too — climate & FEMA risk (91/100). Structurally it carries 55/100, against 1/100 of stress already in motion.

Prices here sit in a neutral phase: values rose 4.2% over the trailing year, and 21% higher over three years (phase confidence 22/100). Even climbing markets leave specific parcels in distress; the scoring isolates them.

At $43,760, median income runs below typical U.S. levels. Home values center near $157,700, an affordability ratio of 3.0× — accessible. 27.4% of residents fall below the poverty threshold. The vacancy rate is 9.2%. Educational attainment sits at 9% bachelor's-or-above. 57% of housing is owner-occupied. There are about 8,230 housing units across 46816. On demographic stress specifically, 46816 scores 36/100. Rent burden reaches 46% of tenant households. 19,240 residents call 46816 home, typically aged 34.

Net-net, 46816 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

The 46816 read uses the identical public-record model applied coast to coast, which means its 26/100 score means exactly what it means anywhere else, and 46816 stays directly comparable to neighboring ZIPs and the rest of Allen County, Indiana. Where the public record is thin for 46816, the field stays empty rather than modeled, and fills in as new documents post.

The 26/100 figure for 46816 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, 46816 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.