ZIP 48063 Foreclosure, Tax-Lien & Distress Report

St. Clair County, Michigan's ZIP 48063 registers 23/100 composite distress, which DLRadar reads as low. What sets it apart are the readings on structural risk (53/100), construction/permit lag (51/100), institutional ownership (18/100). By contrast, institutional ownership (18/100) and mortgage stress (8/100) register low. 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 market reads peak — home values rose 4.2% year on year, and 15% higher over three years, at 26/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

88% of housing is owner-occupied. The poverty rate is 3.6% — low. About 4,106 people live here, median age 42. Around 24% of renters are cost-burdened. About 31% have a four-year degree. DLRadar's demographic-stress index for the area reads 23/100. Median household income is $91,591, above the U.S. median near $78,000. There are about 1,621 housing units across 48063. Vacancy runs 0.6%. A median home runs $323,200 here, or 3.3 times local income.

On balance, 48063 reads as a higher-equity, stable market where distress is selective and worth pinpointing parcel by parcel. Parcel-level detail for 48063 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

The 48063 read uses the identical public-record model applied coast to coast, which means its 23/100 score means exactly what it means anywhere else, and 48063 stays directly comparable to neighboring ZIPs and the rest of St. Clair County, Michigan. 48063 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

Behind 48063's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. Treat 48063 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.