ZIP 48023 Foreclosure, Tax-Lien & Distress Report

On DLRadar's 0-100 public-record scale, ZIP 48023 in St. Clair County, Michigan comes in at 23, a low composite-distress reading. The pressure is most legible in structural risk (53/100), construction/permit lag (51/100), institutional ownership (18/100). On the quiet end sit institutional ownership (18/100) and mortgage stress (8/100). It additionally carries heavy environmental risk: climate & FEMA risk (83/100), flood (NFIP) exposure (81/100). Structural risk reads 53/100 against active distress of 2/100.

Prices here sit in a peak phase: values rose 4.2% over the trailing year, and 22% higher over three years (phase confidence 26/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

10.2% of residents fall below the poverty threshold. Vacancy runs 10.9%. Households earn a median $79,345 — near the roughly $78,000 national figure. The demographic-stress sub-score lands at 29/100. About 22% have a four-year degree. 83% of housing is owner-occupied. Population is roughly 4,980 with a median age of 45. Home values center near $244,200, an affordability ratio of 3.0× — accessible. Rent burden reaches 50% of tenant households. The ZIP holds roughly 2,286 housing units.

Overall 48023 looks resilient on the surface, so the edge is isolating individual stressed parcels. No parcel file is published for 48023 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

No ZIP is too small to score: 48023 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 23/100 composite is a like-for-like number rather than an isolated estimate. Nothing here is interpolated — where a source is thin for 48023, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

48023's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. Treat 48023 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.