ZIP 47634 Foreclosure, Tax-Lien & Distress Report

Spencer County, Indiana's ZIP 47634 registers 15/100 composite distress, which DLRadar reads as low. Structurally it carries 36/100, against 2/100 of stress already in motion. The sharpest non-environmental signals are structural risk (36/100), construction/permit lag (33/100), institutional ownership (18/100). By contrast, institutional ownership (18/100) and mortgage stress (8/100) register low. Climate and flood risk are elevated too — flood (NFIP) exposure (80/100).

Prices here sit in a expansion phase: values rose 5.1% over the trailing year, and 8% higher over three years (phase confidence 30/100). Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

There are about 932 housing units across 47634. 11.5% of residents fall below the poverty threshold. Owners hold 93% of homes, renters 7%. Households earn a median $64,886 — below the roughly $78,000 national figure. The typical home is worth about $137,600 (2.2× income, relatively affordable). Educational attainment sits at 11% bachelor's-or-above. About 2,101 people live here, median age 40. Rent burden reaches 39% of tenant households. Vacancy runs 7.7%. On demographic stress specifically, 47634 scores 25/100.

On balance 47634 is mixed, rewarding parcel-by-parcel screening over broad assumptions. While 47634 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

Because one deterministic model scores every ZIP, 47634's 15/100 can be lined up against any neighbor in Spencer County, Indiana or any ZIP coast to coast. Nothing here is interpolated — where a source is thin for 47634, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

Behind 47634's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. For a buyer, 47634 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.