ZIP 48097 Foreclosure, Tax-Lien & Distress Report

On DLRadar's 0-100 distress scale, ZIP 48097 in St. Clair County, Michigan comes in at 21, a low composite-distress reading. Structural exposure scores 48 and live distress 2 on the 0–100 scale. It additionally carries heavy environmental risk: climate & FEMA risk (79/100). Its heaviest discrete signals: construction/permit lag (54/100), structural risk (48/100), institutional ownership (13/100). By contrast, institutional ownership (13/100) and mortgage stress (7/100) register low.

The peak-phase market in 48097 posted values that rose 4.5% over the year, and 25% higher over three years (phase confidence 28/100). Topping markets hide individual distress behind strong averages.

The ZIP holds roughly 2,336 housing units. DLRadar's demographic-stress index for the area reads 31/100. Home values center near $198,700, an affordability ratio of 3.0× — accessible. The vacancy rate is 5.3%. About 12% have a four-year degree. Median household income is $58,177, below the U.S. median near $78,000. 80% of housing is owner-occupied. 15.5% of residents fall below the poverty threshold. Population is roughly 5,400 with a median age of 41. Rent burden reaches 50% of tenant households.

On balance 48097 is mixed, rewarding parcel-by-parcel screening over broad assumptions. Parcel-level detail for 48097 is not published yet -- the ZIP-level readings above remain fully sourced.

The number is not local guesswork: 48097's 21/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. Sparse data for 48097 shows as blanks, never estimates, and the score updates on every fresh public filing.

48097's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. The point of the 48097 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.