Otsego County, MI: Foreclosures, Tax Liens & Distressed Properties
Otsego County, Michigan sits inside DLRadar's nationwide distress index, built entirely from public records. County-level credit and bank headwind reads 71/100 — elevated, a sign of lender stress locally. The county's ZIP scores run from 8 up to 17/100. 7 ZIP codes are tracked county-wide, averaging 12/100 distress.
Currently expansion, Otsego County saw prices rise 5.5% year over year, at 32/100 phase confidence. Through the growth, specific ZIPs still slip which the scoring still flags.
At +5.5% YoY (32/100 confidence), liquidity improves for clean exits where the scoring still flags pressure. An elevated 71/100 reading favors patient capital: banks under pressure move REO faster.
Top distress by ZIP runs 49733 (17/100), 49738 (17/100), 49730 (13/100), 49756 (12/100), 49795 (10/100), 49751 (9/100), listed with every scored ZIP below. Also scored across the county: 49735.
By the numbers, the ZIPs DLRadar tracks across Otsego County come in at a median household income near $64,002 (below the US norm), a 40.2% vacancy rate, an owner-occupied share of 85%, typical home values near $181,271, poverty running near 12.8%, residents with a median age around 48.4. These fundamentals shape who is forced to sell and how readily the market absorbs it.
Net of it all, 12/100 over 7 ZIPs means Otsego County is a screen-by-ZIP market and not a county-wide play. A DLRadar subscription opens every Otsego County parcel: owner, mailing address, APN, per-parcel scoring with lender exposure and resale velocity.
The distress read for Otsego County, Michigan is refreshed as new public records post and uses the same methodology coast to coast, so Otsego County stays directly comparable to any other market you track.
For anyone buying in Otsego County, the scores answer one question first — which ZIPs deserve the marketing budget, with the top reading 17/100. The Otsego County read is rebuilt from public records as they post — no modeling fills the gaps — so what you see is what the documents support, refreshed on each ingest.
The ZIP breakdown for Otsego County leads with 49733 (17/100), 49738 (17/100), 49730 (13/100), 49756 (12/100), 49795 (10/100), 49751 (9/100). DLRadar also scores 49735 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 Otsego 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.
| ZIP | State | Distress score | 🔒 Owner | 🔒 Property Address | 🔒 Parcel ID |
|---|---|---|---|---|---|
| 49733 | MI | 17 | |||
| 49738 | MI | 17 | |||
| 49730 | MI | 13 | |||
| 49756 | MI | 12 | |||
| 49795 | MI | 10 | |||
| 49751 | MI | 9 | |||
| 49735 | MI | 8 |
Where distress concentrates in Otsego County
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Owner, mailing address, APN and a per-parcel distress score for each Otsego County property — plus capital sources and a closing network.
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