ZIP 48023 Property Distress & Foreclosure Data

In St. Clair County, Michigan, ZIP 48023 scores 23 of 100 for composite distress, a low level on DLRadar's public-record index. Its standout signals are structural risk (52/100), construction/permit lag (47/100), institutional ownership (18/100). By contrast, institutional ownership (18/100) and mortgage stress (8/100) register low. It additionally carries heavy environmental risk: climate & FEMA risk (83/100), flood (NFIP) exposure (81/100). On the structural side it scores 52/100, with 2/100 of stress already active.

The market reads expansion — home values rose 5.6% year on year, and 22% higher over three years (phase confidence 34/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

The poverty rate is 10.2%. The vacancy rate is 10.9%. At $79,345, median income runs near typical U.S. levels. The demographic-stress sub-score lands at 29/100. Around 22% of adults hold a bachelor's degree or higher. 83% of housing is owner-occupied. About 4,980 people live here, median age 45. The typical home is worth about $244,200 (3.0× income, relatively affordable). Around 50% of renters are cost-burdened. The ZIP holds roughly 2,286 housing units.

Overall 48023 looks resilient on the surface, so the edge is isolating individual stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.