ZIP 48014 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 48014 (St. Clair County, Michigan) lands at 23/100 — low on DLRadar's public-record scoring. Environmental exposure also runs high (climate & FEMA risk (82/100), flood (NFIP) exposure (77/100)). Structural risk reads 52/100 against active distress of 2/100. What sets it apart are the readings on structural risk (52/100), construction/permit lag (50/100), institutional ownership (17/100). By contrast, institutional ownership (17/100) and mortgage stress (8/100) register low.

The market reads peak — home values rose 4.2% year on year, and 20% higher over three years (phase confidence 26/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Households earn a median $70,341 — near the roughly $78,000 national figure. About 10% have a four-year degree. Home values center near $217,900, an affordability ratio of 3.0× — accessible. Around 45% of renters are cost-burdened. 6.2% of residents fall below the poverty threshold. Vacancy runs 1.3%. Population is roughly 4,319 with a median age of 43. There are about 1,830 housing units across 48014. The demographic-stress sub-score lands at 28/100. 86% of housing is owner-occupied.

On balance 48014 is mixed, rewarding parcel-by-parcel screening over broad assumptions. There is no property file for 48014 at the moment; the composite and its components are still built from verifiable public records.

The 48014 read uses the identical public-record model applied coast to coast, which means its 23/100 score means exactly what it means anywhere else, and 48014 stays directly comparable to neighboring ZIPs and the rest of St. Clair County, Michigan. Every figure is auditable to a public dataset and refreshed on ingest; 48014 shows blanks, not estimates, wherever the record is sparse.

The 23/100 for 48014 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. For an operator, 48014 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.