Bay County, MI: Foreclosures, Tax Liens & Distressed Properties
Bay County, Michigan is scored end-to-end by DLRadar for property distress, drawn only from deterministic public records. The county's lending-headwind score sits at 51/100 (moderate). ZIP-level distress ranges from 29/100 at the top down to 5/100. The county spans 17 scored ZIP codes, averaging 17/100 composite distress.
In its expansion phase, Bay County home prices rose 5.1% across the last year, at 49/100 phase confidence. Through the growth, the laggards keep building and the breakdown below pinpoints them.
Even appreciating at +5.1% YoY (49/100 confidence), distress still hides in specific ZIPs — and a rising tide cleans up those exits. A moderate 51/100 lender headwind implies both signal sets in play here.
Distress concentrates in ZIP 48604 (29/100), ZIP 48623 (27/100), ZIP 48757 (23/100), ZIP 48642 (21/100), ZIP 48708 (17/100), ZIP 48611 (16/100) — drill into any for the parcel-level read. Further scored ZIPs: 48631, 48634, 48652, 48706, 48710, 48732, 48747, 48650, 48613, 48658.
By the numbers, Bay County's scored ZIPs report vacancy near 8.9%, a median age of 43.4, a 11.7% poverty rate, median home values around $161,344 (below the national figure), a median household income near $66,862 (below the US norm), 83% owner-occupancy. Taken together, they frame who is forced to sell and how readily the market absorbs it.
All in at 17/100 over 17 ZIPs, the edge is selective acquisition rather than a blanket buy. Inside DLRadar, each Bay County property carries owner, APN and address, a distress score and bank-exposure read.
The distress read for Bay County, Michigan is refreshed as new public records post and uses the same methodology coast to coast, so Bay County stays directly comparable to any other market you track.
Scores in Bay County, Michigan exist to concentrate effort: a handful of ZIPs hold most of the distress, and the rest seldom justify the acquisition cost. These Bay County numbers come straight from public filings and refresh as new ones post; a missing source produces a blank field, never an estimate.
Drilling in, Bay County's highest-scoring ZIPs are 48604 (29/100), 48623 (27/100), 48757 (23/100), 48642 (21/100), 48708 (17/100), 48611 (16/100). DLRadar also scores 48631, 48634, 48652, 48706, 48710, 48732, 48747, 48650 and more across the county. Every one of these is scored independently — a ZIP's composite reflects its own recorded distress, which is why the county average alone hides where the real pressure sits.
The Bay County score is not a single measure but a composite: foreclosure activity, mortgage and tax-lien stress, and local lender headwind each feed it, which is why understanding the components matters as much as the headline number.
| ZIP | State | Distress score | 🔒 Owner | 🔒 Property Address | 🔒 Parcel ID |
|---|---|---|---|---|---|
| 48604 | MI | 29 | |||
| 48623 | MI | 27 | |||
| 48757 | MI | 23 | |||
| 48642 | MI | 21 | |||
| 48708 | MI | 17 | |||
| 48611 | MI | 16 | |||
| 48631 | MI | 16 | |||
| 48634 | MI | 16 |
Where distress concentrates in Bay County
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