ZIP 48041 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 48041 (St. Clair County, Michigan) at a low 23/100 for overall property distress. Property-level stress concentrates in structural risk (53/100), construction/permit lag (47/100), institutional ownership (19/100). On the quiet end sit institutional ownership (19/100) and mortgage stress (8/100). Structural exposure scores 53 and live distress 2 on the 0–100 scale. Climate and flood risk are elevated too — climate & FEMA risk (83/100), flood (NFIP) exposure (81/100).

The peak-phase market in 48041 posted values that rose 4.2% over the year, and 17% higher over three years (phase confidence 26/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

The ZIP holds roughly 1,940 housing units. DLRadar's demographic-stress index for the area reads 28/100. The poverty rate is 9.1%. Around 37% of renters are cost-burdened. 88% of housing is owner-occupied. A median home runs $316,500 here, or 3.4 times local income. Median household income is $87,599, above the U.S. median near $78,000. The vacancy rate is 6.4%. About 17% have a four-year degree. About 4,385 people live here, median age 45.

On balance, 48041 reads as a higher-equity, stable market where distress is selective and worth pinpointing parcel by parcel. While 48041 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

Big metro or rural, 48041 runs through one identical public-record model, so its 23/100 sits on the same scale as every other ZIP in St. Clair County, Michigan and the nation. Every figure is auditable to a public dataset and refreshed on ingest; 48041 shows blanks, not estimates, wherever the record is sparse.

The 23/100 figure for 48041 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. In workflow terms, 48041 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.