Lapeer County, MI Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Lapeer County, MI distress report, 2026: 22 ZIPs scored in Lapeer, MI, Lapeer, MI average 18/100; the top Lapeer, MI ZIP is 48462 at 31/100; Lapeer, MI market phase peak, Lapeer, MI prices +4.2% year over year.
- Lapeer, MI ranks #2,393 nationally (opportunity index); Lapeer, MI #72 in Michigan; Lapeer, MI index 26.3.
- Lapeer, MI: no CFPB county sample; Lapeer, MI metro area reading 0.9%.
- Lapeer, MI ZIP phases: 20 peak, 2 expansion.
- Lapeer, MI residential listings tracked: 165 across 12 ZIPs; Lapeer, MI candidate listings 25.
- Lapeer, MI HUD assisted properties: 1 with 110 units.
- Lapeer, MI lenders on watch: 4; largest Lapeer, MI footprint Choiceone Bank (8 branches).
- Lapeer, MI most distressed ZIP: 48462 at 31/100.
Lapeer, MI figures: DLRadar distress index; Lapeer, MI inputs: CFPB, FHFA, HUD, FDIC; Lapeer, MI rebuilt as sources refresh.
| Rank | Lapeer, MI ZIP | Score |
|---|---|---|
| 1 | 48462 | 31/100 |
| 2 | 48371 | 30/100 |
| 3 | 48423 | 24/100 |
| 4 | 48463 | 24/100 |
| 5 | 48014 | 22/100 |
| 6 | 48438 | 21/100 |
| 7 | 48744 | 20/100 |
| 8 | 48435 | 17/100 |
| 9 | 48760 | 17/100 |
| 10 | 48453 | 16/100 |
| 11 | 48416 | 15/100 |
| 12 | 48464 | 15/100 |
Most distressed Lapeer, MI ZIPs (0-100, 2026)
Mortgage delinquency around Lapeer, MI
No CFPB county sample covers Lapeer, MI; the metro area reading for Lapeer, MI (Detroit-Warren-Dearborn, MI): 0.9% ninety-plus; Lapeer, MI area thirty-to-eighty-nine 2.3% (December 2025, Lapeer, MI); Michigan overall 0.9%.
Opportunity index: Lapeer, MI
Lapeer, MI index 26.3, Lapeer, MI phase weak; Lapeer, MI primary driver bank institutional, Lapeer, MI second driver listings discount. Lapeer, MI components: property stress 6.9, foreclosure pressure 4.9, listing discounts 42.2, bank stress 57.1, insurance 0.0; Lapeer, MI pulse 25.7; Lapeer, MI capital opportunity 27.1.
ZIP market phases inside Lapeer, MI
22 Lapeer, MI ZIPs carry a price-cycle phase; Lapeer, MI ZIPs by phase (Lapeer, MI), deepest drawdown first: peak, +4.2% YoY (Lapeer, MI): 48003, 48014, 48371, 48412, Lapeer, MI 48421, 48428, 48440, 48444, Lapeer, MI 48446, 48455, 48461; peak, +4.9% YoY (Lapeer, MI): 48416; peak, +3.2% YoY (Lapeer, MI): 48423; peak, +4.8% YoY (Lapeer, MI): 48435; peak, +3.5% YoY (Lapeer, MI): 48438; expansion, +5.3% YoY (Lapeer, MI): 48453.
Residential listings by Lapeer, MI ZIP
Lapeer, MI ZIPs with the most tracked Lapeer, MI residential listings: 48446 67 listings, 10 candidates, bank pressure 59; 48455 19 listings, 1 candidates, bank pressure 59; 48461 18 listings, 4 candidates, bank pressure 59; 48444 12 listings, 1 candidates, bank pressure 57 (Lapeer, MI); 48464 11 listings, 2 candidates, bank pressure 62; 48003 10 listings, 1 candidates, bank pressure 59; 48412 10 listings, 1 candidates, bank pressure 59; 48428 8 listings, 2 candidates, bank pressure 59. Lapeer, MI totals: 165 listings; Lapeer, MI candidates 25; active ZIPs 10.
HUD assisted housing in Lapeer, MI
1 assisted properties with 110 units sit in Lapeer, MI; largest Lapeer, MI properties: Charbridge Arbor Cooperative 1 & 2 (Lapeer) 110 units, 22 assisted.
Lenders with branches in Lapeer, MI
Lapeer, MI lenders by branch count: Choiceone Bank (Lapeer, MI): stress 60, 8 branches low in Lapeer, MI; Tri-County Bank (Lapeer, MI): stress 34, 3 branches low in Lapeer, MI; Independent Bank (Lapeer, MI): stress 67, 2 branches low in Lapeer, MI; Oxford Bank (Lapeer, MI): stress 64, 1 branch low in Lapeer, MI.
Vacancy and permits, Lapeer, MI
2,311 of 37,147 Lapeer, MI housing units are vacant; Lapeer, MI permits, twelve months: 0 multifamily units in Lapeer, MI, 189 one-to-four unit units.
Work Lapeer, MI at the parcel level
Every Lapeer, MI parcel carries owner and address; every Lapeer, MI parcel carries APN; Lapeer, MI distress scores sit on the Lapeer, MI live board.
Lapeer, MI figures refresh with each source.
Lapeer, MI questions
Most distressed ZIP code in Lapeer County, MI?
ZIP 48462 leads Lapeer, MI at 31/100; next in Lapeer, MI: 48371 at 30/100; the Lapeer, MI average is 18/100.
Where does Lapeer County, MI rank for investment opportunity?
Lapeer, MI is #2,393 among all ranked counties, #72 in Michigan; the Lapeer, MI driver is bank institutional; Lapeer, MI moved up 591 places.
How many mortgages are delinquent in Lapeer County, MI?
Lapeer, MI takes the metro area reading of 0.9% for December 2025; no CFPB county sample covers Lapeer, MI.
Which banks lend in Lapeer County, MI?
4 watched lenders hold Lapeer, MI branches; the largest Lapeer, MI footprints are Choiceone Bank (8), Tri-County Bank (3), Independent Bank (2).
More on Lapeer, MI
Lapeer County, MI distress report: public-record figures for Lapeer, MI; not legal advice for Lapeer, MI; not tax or investment advice; verify every Lapeer, MI record before acting.