ZIP 47635 Foreclosure, Tax-Lien & Distress Report

In Spencer County, Indiana, ZIP 47635 scores 15 of 100 for composite distress, a low level on DLRadar's public-record index. It additionally carries heavy environmental risk: flood (NFIP) exposure (80/100). The split runs 36/100 structural to 2/100 active on the ground. 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.

The market reads expansion — home values rose 5.1% year on year, and 12% higher over three years (phase confidence 30/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

Households earn a median $63,490 — below the roughly $78,000 national figure. The vacancy rate is 9.3%. Roughly 9.3% live below the poverty line. Around 23% of renters are cost-burdened. 5,578 residents call 47635 home, typically aged 45. Around 20% of adults hold a bachelor's degree or higher. The demographic-stress sub-score lands at 25/100. A median home runs $166,700 here, or 2.5 times local income. 71% of housing is owner-occupied. There are about 2,622 housing units across 47635.

Overall, 47635 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. While 47635 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

The 47635 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 47635 stays directly comparable to neighboring ZIPs and the rest of Spencer County, Indiana. The score is rebuilt from public data as it updates, so 47635 reflects the current record instead of a stale or modeled snapshot.

Behind 47635'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. Treat 47635 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.