ZIP 48039 Foreclosure, Tax-Lien & Distress Report
St. Clair County, Michigan · Affordable market
On DLRadar's 0-100 distress scale, ZIP 48039 in St. Clair County, Michigan comes in at 23, a low composite-distress reading. Environmental exposure also runs high (climate & FEMA risk (83/100), flood (NFIP) exposure (67/100)). Property-level stress concentrates in construction/permit lag (54/100), structural risk (52/100), institutional ownership (16/100). By contrast, institutional ownership (16/100) and mortgage stress (8/100) register low. Latent structural risk is 52/100 while live distress already moving reads 2/100.
The market reads peak — home values rose 4.2% year on year, and 20% higher over three years (phase confidence 26/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.
Population is roughly 7,466 with a median age of 47. Owners hold 89% of homes, renters 11%. Rent burden reaches 37% of tenant households. Educational attainment sits at 20% bachelor's-or-above. Vacancy runs 11.4%, above the national norm and a classic distress-and-opportunity signal. At $76,304, median income runs near typical U.S. levels. There are about 3,656 housing units across 48039. Roughly 6.4% live below the poverty line, a low share typical of higher-equity areas. A median home runs $181,300 here, or 2.2 times local income. On demographic stress specifically, 48039 scores 24/100.
On balance 48039 is mixed, rewarding parcel-by-parcel screening over broad assumptions. While 48039 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.
No ZIP is too small to score: 48039 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. Sparse data for 48039 shows as blanks, never estimates, and the score updates on every fresh public filing.
48039's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. For an operator, 48039 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.
Distress signal breakdown — ZIP 48039
Tax arrears, institutional buyers, insurance load, flood exposure, stalled construction, dislocated pricing and auction velocity — together with the 0 individual distressed properties — each with owner, address, APN, its own distress score and an exit read — are in the full report.
The 48039 distress snapshot
48039 live: composite distress, market phase, housing detail and lender pressure, identical to the per-property report.
Neighbouring ZIPs in St. Clair County
Nearest ZIP codes to 48039
By straight-line distance between ZIP centers — the surrounding market, whichever county or state line it crosses.
Keep exploring Michigan distress
Other reports tied to St. Clair County, Michigan — ZIP, county and statewide.
Unlock parcel-level detail for ZIP 48039
Every distressed parcel in 48039 comes with owner and address, APN, its own distress score, bank exposure and an exit-velocity read — plus a one-click path to owner and lender records, refreshed continuously nationwide.
Built from public records, scored the same way everywhere · methodology