ZIP 48054 Property Distress & Foreclosure Data

ZIP code 48054 in St. Clair County, Michigan carries a composite property-distress score of 23/100 — a low reading on DLRadar's deterministic public-record index. What sets it apart are the readings on structural risk (52/100), construction/permit lag (47/100), institutional ownership (18/100). On the quiet end sit institutional ownership (18/100) and mortgage stress (8/100). Environmental exposure also runs high (climate & FEMA risk (83/100), flood (NFIP) exposure (81/100)). The latent-versus-live split is 52/100 structural and 2/100 already moving.

The expansion-phase market in 48054 posted values that rose 5.6% over the year, and 23% higher over three years (phase confidence 34/100). Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

DLRadar's demographic-stress index for the area reads 27/100. 7.3% of residents fall below the poverty threshold. The vacancy rate is 7.0%. Educational attainment sits at 22% bachelor's-or-above. Home values center near $301,400, an affordability ratio of 3.6× — accessible. Owners hold 85% of homes, renters 15%. Median household income is $76,992, near the U.S. median near $78,000. Population is roughly 7,200 with a median age of 52. Around 28% of renters are cost-burdened. The ZIP holds roughly 3,101 housing units.

On balance 48054 is mixed, rewarding parcel-by-parcel screening over broad assumptions. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.