ZIP 48182 Foreclosure, Tax-Lien & Distress Report

ZIP code 48182 in Monroe County, Michigan carries a composite property-distress score of 30/100 — a moderate reading on DLRadar's deterministic public-record index. It additionally carries heavy environmental risk: climate & FEMA risk (84/100), flood (NFIP) exposure (78/100). Structurally it carries 68/100, against 5/100 of stress already in motion. What sets it apart are the readings on structural risk (68/100), construction/permit lag (66/100), institutional ownership (45/100). On the quiet end sit mortgage stress (18/100).

The market reads peak — home values rose 2.1% year on year, 1.3% off the recent peak, and 18% higher over three years (phase confidence 33/100). Topping markets hide individual distress behind strong averages.

At $83,155, median income runs near typical U.S. levels. 6.3% of residents fall below the poverty threshold. The typical home is worth about $254,400 (2.9× income, relatively affordable). There are about 8,637 housing units across 48182. Rent burden reaches 34% of tenant households. Around 30% of adults hold a bachelor's degree or higher. On demographic stress specifically, 48182 scores 25/100. Owners hold 83% of homes, renters 17%. About 20,705 people live here, median age 46. The vacancy rate is 3.2%.

On balance 48182 is mixed, rewarding parcel-by-parcel screening over broad assumptions. There is no property file for 48182 at the moment; the composite and its components are still built from verifiable public records.

No ZIP is too small to score: 48182 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 30/100 composite is a like-for-like number rather than an isolated estimate. Every figure is auditable to a public dataset and refreshed on ingest; 48182 shows blanks, not estimates, wherever the record is sparse.

Each component behind 48182 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 30/100 roll-up. The point of the 48182 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.