ZIP 48022 Foreclosure, Tax-Lien & Distress Report

ZIP code 48022 in St. Clair County, Michigan carries a composite property-distress score of 23/100 — a low reading on DLRadar's deterministic public-record index. On the structural side it scores 53/100, with 2/100 of stress already active. Its standout signals are structural risk (53/100), construction/permit lag (51/100), institutional ownership (18/100). institutional ownership (18/100) and mortgage stress (8/100) stay muted. Climate and flood risk are elevated too — climate & FEMA risk (83/100), flood (NFIP) exposure (81/100).

Prices here sit in a peak phase: values rose 4.2% over the trailing year, and 13% higher over three years (phase confidence 26/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Home values center near $239,800, an affordability ratio of 2.7× — accessible. Vacancy runs 5.8%. About 2,517 people live here, median age 48. The ZIP holds roughly 1,147 housing units. The tenure split is 97% owner-occupied to 3% rented. At $89,702, median income runs above typical U.S. levels. On demographic stress specifically, 48022 scores 23/100. Around 20% of renters are cost-burdened. Educational attainment sits at 11% bachelor's-or-above. Roughly 9.5% live below the poverty line.

On balance, 48022 reads as a higher-equity, stable market where distress is selective and worth pinpointing parcel by parcel. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

The 48022 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 48022 stays directly comparable to neighboring ZIPs and the rest of St. Clair County, Michigan. Where the public record is thin for 48022, the field stays empty rather than modeled, and fills in as new documents post.

The 23/100 for 48022 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 a buyer, 48022 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.