ZIP 48064 Foreclosure, Tax-Lien & Distress Report

In St. Clair County, Michigan, ZIP 48064 scores 23 of 100 for composite distress, a low level on DLRadar's public-record index. The latent-versus-live split is 53/100 structural and 2/100 already moving. Climate and flood risk are elevated too — climate & FEMA risk (83/100), flood (NFIP) exposure (81/100). The sharpest non-environmental signals are structural risk (53/100), construction/permit lag (51/100), institutional ownership (18/100). On the quiet end sit institutional ownership (18/100) and mortgage stress (8/100).

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.

About 3,996 people live here, median age 40. Vacancy runs 1.9%. On demographic stress specifically, 48064 scores 27/100. There are about 1,547 housing units across 48064. Educational attainment sits at 19% bachelor's-or-above. Rent burden reaches 33% of tenant households. Home values center near $303,200, an affordability ratio of 3.5× — accessible. 5.8% of residents fall below the poverty threshold. Owners hold 95% of homes, renters 5%. At $79,375, median income runs near typical U.S. levels.

Broadly, 48064 is a steadier market — the deals are the exceptions, not the rule. While 48064 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

No ZIP is too small to score: 48064 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 23/100 composite is a like-for-like number rather than an isolated estimate. Nothing here is interpolated — where a source is thin for 48064, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

The 23/100 figure for 48064 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. The point of the 48064 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.