ZIP 48165 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 48165 (Oakland County, Michigan) lands at 32/100 — moderate on DLRadar's distress scoring. The split runs 72/100 structural to 6/100 active on the ground. It additionally carries heavy environmental risk: climate & FEMA risk (98/100), flood (NFIP) exposure (80/100), FEMA disaster exposure (60/100). Its heaviest discrete signals: structural risk (72/100), construction/permit lag (57/100), institutional ownership (50/100). On the quiet end sit mortgage stress (19/100).

The peak-phase market in 48165 posted values that rose 4.2% over the year, and 17% higher over three years, at 26/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

76% of housing is owner-occupied. The typical home is worth about $389,000 (3.3× income, relatively affordable). On demographic stress specifically, 48165 scores 25/100. At $105,511, median income runs above typical U.S. levels. 9,141 residents call 48165 home, typically aged 37. Educational attainment sits at 51% bachelor's-or-above. Vacancy runs 6.4%. There are about 3,681 housing units across 48165. Around 33% of renters are cost-burdened. 6.3% of residents fall below the poverty threshold.

Net-net, 48165 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. While 48165 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

The 48165 read uses the identical scoring model applied coast to coast, which means its 32/100 score means exactly what it means anywhere else, and 48165 stays directly comparable to neighboring ZIPs and the rest of Oakland County, Michigan. Sparse data for 48165 shows as blanks, never estimates, and the score updates on every fresh public filing.

The 32/100 figure for 48165 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 48165 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.