Kalkaska County, MI: Foreclosures, Tax Liens & Distressed Properties

Across Kalkaska County, Michigan, DLRadar grades every ZIP for foreclosure, mortgage, tax and bank-stress distress. There are 8 scored ZIPs in the county (mean composite 16/100). County-level credit and bank headwind reads 49/100. ZIP-level distress ranges from 25/100 at the top down to 14/100.

The county market is in a peak phase: home prices rose 3.1% over the past year, at 27/100 phase confidence. With values leveling off, the average masks the outliers — the edge is parcel by parcel.

Near the cycle top at +3.1% YoY (27/100 confidence), selectivity rules — target the few ZIPs carrying distress. Mid-range bank stress at 49/100 means mixed owner- and bank-driven distress.

The sharpest Kalkaska County readings come from 49690 (25/100), 49633 (18/100), 49738 (17/100), 49612 (14/100), 49646 (14/100), 49659 (14/100) — open any for the parcel detail. Coverage extends to 49676, 49680 among others.

On the housing-and-income side, the ZIPs DLRadar tracks across Kalkaska County show a median age of 46.8, a median household income near $67,785 (below the US norm), home values averaging roughly $221,263, below the US, poverty running near 11.6%, 88% of homes owner-occupied, 31.5% of units sitting vacant. Taken together, they signal how much distress reaches the market and how fast it moves.

All in at 16/100 over 8 ZIPs, distress here is parcel-specific and not a county-wide play. Subscribers get each Kalkaska County parcel's owner, mailing address, APN, a distress score and bank-exposure read.

Because Kalkaska County, Michigan is scored on the identical public-record model used nationwide, even a quiet county is measured on one scale — letting you weigh Kalkaska County against neighboring markets or the rest of Michigan on equal footing.

Scores in Kalkaska County, Michigan exist to concentrate effort: a handful of ZIPs hold most of the distress, and the rest seldom justify the acquisition cost. Provenance for Kalkaska County is explicit: recorders and courts for filings, FHFA for prices, FDIC for lenders. No interpolation, no synthetic values.

The ZIP breakdown for Kalkaska County leads with 49690 (25/100), 49633 (18/100), 49738 (17/100), 49612 (14/100), 49646 (14/100), 49659 (14/100). DLRadar also scores 49676, 49680 across the county. Because each ZIP is graded on its own foreclosure, tax and lender record, the county's distress is best read code by code rather than as a single number.

DLRadar's composite for Kalkaska County blends several independent signals — foreclosure and pre-foreclosure filings, mortgage stress, tax delinquency and liens, and the bank-stress headwind of the lenders operating locally — into one 0–100 score per ZIP, so a market can rank high on one axis and low on another.