ZIP 48032 Property Distress & Foreclosure Data

In St. Clair County, Michigan, ZIP 48032 scores 21 of 100 for composite distress, a low level on DLRadar's public-record index. Its standout signals are structural risk (48/100), construction/permit lag (46/100), institutional ownership (15/100). By contrast, institutional ownership (15/100) and mortgage stress (7/100) register low. The latent-versus-live split is 48/100 structural and 2/100 already moving. It additionally carries heavy environmental risk: climate & FEMA risk (80/100), flood (NFIP) exposure (65/100).

The market reads expansion — home values rose 5.7% year on year, and 36% higher over three years (phase confidence 34/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

At $89,000, median income runs above typical U.S. levels. Around 3% of renters are cost-burdened. The poverty rate is 11.8%. The ZIP holds roughly 826 housing units. Around 17% of adults hold a bachelor's degree or higher. The demographic-stress sub-score lands at 21/100. 93% of housing is owner-occupied. About 1,834 people live here, median age 48. The vacancy rate is 7.7%. The typical home is worth about $263,900 (2.7× income, relatively affordable).

Overall 48032 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.