ZIP 48041 Property Distress & Foreclosure Data

In St. Clair County, Michigan, ZIP 48041 scores 22 of 100 for composite distress, a low level on DLRadar's public-record index. Its standout signals are structural risk (51/100), construction/permit lag (40/100), institutional ownership (19/100). By contrast, institutional ownership (19/100) and mortgage stress (8/100) register low. On the structural side it scores 51/100, with 2/100 of stress already active. It additionally carries heavy environmental risk: climate & FEMA risk (83/100), flood (NFIP) exposure (81/100).

The market reads expansion — home values rose 5.6% year on year, and 17% higher over three years (phase confidence 34/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

The ZIP holds roughly 1,940 housing units. The demographic-stress sub-score lands at 28/100. The poverty rate is 9.1%. Around 37% of renters are cost-burdened. 88% of housing is owner-occupied. The typical home is worth about $316,500 (3.4× income, relatively affordable). At $87,599, median income runs above typical U.S. levels. The vacancy rate is 6.4%. Around 17% of adults hold a bachelor's degree or higher. About 4,385 people live here, median age 45.

Overall 48041 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.