ZIP 46845 Foreclosure, Tax-Lien & Distress Report
Allen County, Indiana · Distress market
In Allen County, Indiana, ZIP 46845 scores 28 of 100 for composite distress, a low level on DLRadar's distress index. The most distinctive pressure shows up in structural risk (62/100), institutional ownership (45/100), construction/permit lag (43/100). By contrast, mortgage stress (3/100) register low. It additionally carries heavy environmental risk: climate & FEMA risk (91/100), FEMA disaster exposure (60/100). Structurally it carries 62/100, against 1/100 of stress already in motion.
The market reads neutral — home values rose 4.2% year on year, and 19% higher over three years (phase confidence 22/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.
The demographic-stress sub-score lands at 21/100. 3.5% of residents fall below the poverty threshold. Rent burden reaches 29% of tenant households. About 28,664 people live here, median age 41. Households earn a median $115,690 — above the roughly $78,000 national figure. Home values center near $339,200, an affordability ratio of 2.7× — accessible. About 53% have a four-year degree. There are about 11,370 housing units across 46845. Owners hold 85% of homes, renters 15%. The vacancy rate is 1.8%.
On balance 46845 is mixed, rewarding parcel-by-parcel screening over broad assumptions. Parcel-level detail for 46845 is not published yet -- the ZIP-level readings above remain fully sourced.
Whether 46845 runs hot or quiet, its 28/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 46845 can be compared directly against any other ZIP in Allen County, Indiana or nationwide. 46845 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.
Each component behind 46845 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 28/100 roll-up. Treat 46845 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.
What is driving ZIP 46845’s distress
Unpaid tax, corporate ownership share, insurance cost pressure, NFIP flood risk, construction slowdown, price gaps and auction turnover — plus the 0 individual distressed properties come with owner, address, APN, an individual score and an exit read in the complete report.
The 46845 distress snapshot
Current distress, phase, housing and lender-pressure figures for 46845, drawn from the same report attached to each property.
Neighbouring ZIPs in Allen County
Nearest ZIP codes to 46845
By straight-line distance between ZIP centers — the surrounding market, whichever county or state line it crosses.
Related reports across Allen County, Indiana
Keep going: ZIP, county and state distress coverage for Allen County, Indiana.
Unlock parcel-level detail for ZIP 46845
Open 46845 parcel by parcel: owner, address, APN, individual distress score, lender exposure, exit-velocity estimate, and owner and lender records in a single click. Updated continuously across the country.
Deterministic scoring, sourced entirely from public data · methodology