ZIP 48001 Foreclosure, Tax-Lien & Distress Report

ZIP code 48001 in St. Clair County, Michigan carries a composite property-distress score of 23/100 — a low reading on DLRadar's deterministic distress index. Property-level stress concentrates in construction/permit lag (54/100), structural risk (52/100), institutional ownership (16/100). By contrast, institutional ownership (16/100) and mortgage stress (8/100) register low. On the structural side it scores 52/100, with 2/100 of stress already active. It additionally carries heavy environmental risk: climate & FEMA risk (83/100), flood (NFIP) exposure (67/100).

Prices here sit in a peak phase: values rose 4.2% over the trailing year, and 21% higher over three years (phase confidence 26/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

At $64,538, median income runs below typical U.S. levels. The poverty rate is 11.8%. Rent burden reaches 52% of tenant households. Educational attainment sits at 18% bachelor's-or-above. Vacancy runs 10.6%. The tenure split is 84% owner-occupied to 16% rented. About 11,502 people live here, median age 52. There are about 5,607 housing units across 48001. The demographic-stress sub-score lands at 33/100. Home values center near $257,400, an affordability ratio of 3.9× — accessible.

On balance 48001 is mixed, rewarding parcel-by-parcel screening over broad assumptions. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

Big metro or rural, 48001 runs through one identical scoring model, so its 23/100 sits on the same scale as every other ZIP in St. Clair County, Michigan and the nation. 48001 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

The 23/100 for 48001 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. The point of the 48001 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.