ZIP 48049 Foreclosure, Tax-Lien & Distress Report

St. Clair County, Michigan's ZIP 48049 registers 23/100 composite distress, which DLRadar reads as low. Environmental exposure also runs high (climate & FEMA risk (83/100), flood (NFIP) exposure (81/100)). The split runs 53/100 structural to 2/100 active on the ground. Its heaviest discrete signals: structural risk (53/100), construction/permit lag (51/100), institutional ownership (18/100). institutional ownership (18/100) and mortgage stress (8/100) stay muted.

Prices here sit in a peak phase: values rose 4.2% over the trailing year, and 13% higher over three years (phase confidence 26/100). Topping markets hide individual distress behind strong averages.

The tenure split is 90% owner-occupied to 10% rented. About 23% have a four-year degree. The ZIP holds roughly 2,251 housing units. Rent burden reaches 5% of tenant households. Roughly 4.2% live below the poverty line, a low share typical of higher-equity areas. DLRadar's demographic-stress index for the area reads 19/100. Population is roughly 5,485 with a median age of 47. The vacancy rate is 1.8%. Households earn a median $86,250 — near the roughly $78,000 national figure. Home values center near $235,700, an affordability ratio of 2.6× — accessible.

On balance, 48049 reads as a higher-equity, stable market where distress is selective and worth pinpointing parcel by parcel. No parcel file is published for 48049 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

Whether 48049 runs hot or quiet, its 23/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 48049 can be compared directly against any other ZIP in St. Clair County, Michigan or nationwide. 48049 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

Each component behind 48049 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 23/100 roll-up. Treat 48049 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.