ZIP 46951 Foreclosure, Tax-Lien & Distress Report

On DLRadar's 0-100 public-record scale, ZIP 46951 in Miami County, Indiana comes in at 15, a low composite-distress reading. Structurally it carries 31/100, against 1/100 of stress already in motion. The sharpest non-environmental signals are structural risk (31/100), institutional ownership (30/100), construction/permit lag (17/100). By contrast, construction/permit lag (17/100) and mortgage stress (4/100) register low.

The peak-phase market in 46951 posted values that rose 4.4% over the year, and 57% higher over three years, at 26/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

The tenure split is 88% owner-occupied to 12% rented. The poverty rate is 18.1% — high, a tax-stress and distress correlate. Around 84% of renters are cost-burdened. Educational attainment sits at 11% bachelor's-or-above. Households earn a median $52,159 — below the roughly $78,000 national figure. Vacancy runs 31.6%, above the national norm and a classic distress-and-opportunity signal. A median home runs $150,300 here, or 2.5 times local income. DLRadar's demographic-stress index for the area reads 38/100. Population is roughly 2,016 with a median age of 34. There are about 1,112 housing units across 46951.

On the whole, 46951 leans distressed, with opportunity clustered in specific stressed parcels. No parcel file is published for 46951 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

No ZIP is too small to score: 46951 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 15/100 composite is a like-for-like number rather than an isolated estimate. Sparse data for 46951 shows as blanks, never estimates, and the score updates on every fresh public filing.

46951's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. In workflow terms, 46951 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.