ZIP 46979 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 46979 (Howard County, Indiana) at a low 15/100 for overall property distress. Property-level stress concentrates in structural risk (35/100), institutional ownership (21/100), mortgage stress (8/100). By contrast, institutional ownership (21/100) and mortgage stress (8/100) register low. Climate and flood risk are elevated too — flood (NFIP) exposure (78/100), climate & FEMA risk (60/100). Latent structural risk is 35/100 while live distress already moving reads 3/100.

Prices here sit in a expansion phase: values rose 6.8% over the trailing year, and 27% higher over three years (phase confidence 45/100). Even climbing markets leave specific parcels in distress; the scoring isolates them.

The ZIP holds roughly 1,894 housing units. Owners hold 92% of homes, renters 8%. 5,026 residents call 46979 home, typically aged 43. Around 34% of renters are cost-burdened. About 31% have a four-year degree. On demographic stress specifically, 46979 scores 22/100. Roughly 5.4% live below the poverty line, a low share typical of higher-equity areas. The vacancy rate is 4.7%. At $93,571, median income runs above typical U.S. levels. A median home runs $213,500 here, or 2.2 times local income.

On balance, 46979 reads as a higher-equity, stable market where distress is selective and worth pinpointing parcel by parcel. There is no property file for 46979 at the moment; the composite and its components are still built from verifiable public records.

The 46979 read uses the identical public-record model applied coast to coast, which means its 15/100 score means exactly what it means anywhere else, and 46979 stays directly comparable to neighboring ZIPs and the rest of Howard County, Indiana. Nothing here is interpolated — where a source is thin for 46979, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

The 15/100 figure for 46979 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. Treat 46979 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.