ZIP 48028 Foreclosure, Tax-Lien & Distress Report

St. Clair County, Michigan's ZIP 48028 registers 23/100 composite distress, which DLRadar reads as low. Structural exposure scores 53 and live distress 2 on the 0–100 scale. It additionally carries heavy environmental risk: climate & FEMA risk (83/100), flood (NFIP) exposure (81/100). The most distinctive pressure shows up in structural risk (53/100), construction/permit lag (51/100), institutional ownership (18/100). By contrast, institutional ownership (18/100) and mortgage stress (8/100) register low.

The peak-phase market in 48028 posted values that rose 4.2% over the year, and 9% higher over three years (phase confidence 26/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

DLRadar's demographic-stress index for the area reads 28/100. A median home runs $390,800 here, or 3.2 times local income. 4.8% of residents fall below the poverty threshold. Educational attainment sits at 33% bachelor's-or-above. Vacancy runs 63.5%, above the national norm and a classic distress-and-opportunity signal. There are about 1,589 housing units across 48028. Population is roughly 1,058 with a median age of 63. The tenure split is 97% owner-occupied to 3% rented. Median household income is $106,765, above the U.S. median near $78,000.

On the whole, 48028 leans distressed, with opportunity clustered in specific stressed parcels. While 48028 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

Whether 48028 runs hot or quiet, its 23/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 48028 can be compared directly against any other ZIP in St. Clair County, Michigan or nationwide. The score is rebuilt from public data as it updates, so 48028 reflects the current record instead of a stale or modeled snapshot.

48028's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. For an operator, 48028 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.