ZIP 46970 Foreclosure, Tax-Lien & Distress Report
Miami County, Indiana · High Vacancy market
In Miami County, Indiana, ZIP 46970 scores 13 of 100 for composite distress, a minimal level on DLRadar's public-record index. The sharpest non-environmental signals are institutional ownership (29/100), structural risk (27/100), mortgage stress (3/100). structural risk (27/100) and mortgage stress (3/100) stay muted. Structurally it carries 27/100, against 1/100 of stress already in motion.
The peak-phase market in 46970 posted values that rose 4.3% over the year, and 17% higher over three years (phase confidence 26/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.
Vacancy runs 12.6%, above the national norm and a classic distress-and-opportunity signal. The typical home is worth about $118,700 (2.0× income, relatively affordable). The ZIP holds roughly 10,251 housing units. 71% of housing is owner-occupied. Around 16% of adults hold a bachelor's degree or higher. 17.7% of residents fall below the poverty threshold. About 23,129 people live here, median age 41. At $56,722, median income runs below typical U.S. levels. The demographic-stress sub-score lands at 28/100. Rent burden reaches 34% of tenant households.
Net-net, 46970 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. While 46970 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.
Big metro or rural, 46970 runs through one identical public-record model, so its 13/100 sits on the same scale as every other ZIP in Miami County, Indiana and the nation. Sparse data for 46970 shows as blanks, never estimates, and the score updates on every fresh public filing.
46970's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. Treat 46970 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.
Signal-by-signal read on 46970
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: 46970 by the numbers
46970 live: composite distress, market phase, housing detail and lender pressure, identical to the per-property report.
Neighbouring ZIPs in Miami County
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Other reports tied to Miami County, Indiana — ZIP, county and statewide.
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Built from public records, scored the same way everywhere · methodology