ZIP 48085 Foreclosure, Tax-Lien & Distress Report

ZIP code 48085 in Oakland County, Michigan carries a composite property-distress score of 33/100 — a moderate reading on DLRadar's deterministic public-record index. Leading the profile are structural risk (74/100), construction/permit lag (67/100), institutional ownership (48/100). mortgage stress (19/100) stay muted. Climate and flood risk are elevated too — climate & FEMA risk (98/100), flood (NFIP) exposure (90/100). Structural risk reads 74/100 against active distress of 6/100.

The market reads peak — home values rose 4.2% year on year, and 16% higher over three years, at 26/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

The poverty rate is 3.4% — low. Population is roughly 27,371 with a median age of 43. Households earn a median $144,146 — above the roughly $78,000 national figure. The tenure split is 92% owner-occupied to 8% rented. Around 59% of adults hold a bachelor's degree or higher. The typical home is worth about $423,800 (2.7× income, relatively affordable). The demographic-stress sub-score lands at 18/100. The vacancy rate is 2.3%. Around 21% of renters are cost-burdened. The ZIP holds roughly 9,261 housing units.

On balance 48085 is mixed, rewarding parcel-by-parcel screening over broad assumptions. No parcel file is published for 48085 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

No ZIP is too small to score: 48085 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 33/100 composite is a like-for-like number rather than an isolated estimate. 48085 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

48085's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. Treat 48085 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.