ZIP 48040 Foreclosure, Tax-Lien & Distress Report

St. Clair County, Michigan's ZIP 48040 registers 23/100 composite distress, which DLRadar reads as low. Climate and flood risk are elevated too — climate & FEMA risk (83/100), flood (NFIP) exposure (67/100). The most distinctive pressure shows up 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. Structural exposure scores 52 and live distress 2 on the 0–100 scale.

The peak-phase market in 48040 posted values that rose 4.2% over the year, and 17% higher over three years, at 26/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

The ZIP holds roughly 4,528 housing units. Rent burden reaches 28% of tenant households. Home values center near $208,600, an affordability ratio of 2.7× — accessible. Vacancy runs 5.4%. About 24% have a four-year degree. 6.2% of residents fall below the poverty threshold. The tenure split is 86% owner-occupied to 14% rented. On demographic stress specifically, 48040 scores 23/100. Population is roughly 9,942 with a median age of 44. Households earn a median $69,661 — near the roughly $78,000 national figure.

Overall, 48040 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. Parcel-level detail for 48040 is not published yet -- the ZIP-level readings above remain fully sourced.

The 48040 read uses the identical scoring model applied coast to coast, which means its 23/100 score means exactly what it means anywhere else, and 48040 stays directly comparable to neighboring ZIPs and the rest of St. Clair County, Michigan. Where the record is thin for 48040, the field stays empty rather than modeled, and fills in as new documents post.

48040'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. In workflow terms, 48040 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.