ZIP 48304 Foreclosure, Tax-Lien & Distress Report

In Oakland County, Michigan, ZIP 48304 scores 33 of 100 for composite distress, a moderate level on DLRadar's public-record index. The pressure is most legible in structural risk (74/100), construction/permit lag (67/100), institutional ownership (48/100). On the quiet end sit mortgage stress (19/100). Environmental exposure also runs high (climate & FEMA risk (98/100), flood (NFIP) exposure (90/100)). Structurally it carries 74/100, against 6/100 of stress already in motion.

The market reads peak — home values rose 4.2% year on year, and 24% higher over three years (phase confidence 26/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Households earn a median $140,700 — above the roughly $78,000 national figure. DLRadar's demographic-stress index for the area reads 19/100. Roughly 3.2% live below the poverty line, a low share typical of higher-equity areas. The vacancy rate is 6.9%. About 75% have a four-year degree. The tenure split is 88% owner-occupied to 12% rented. The ZIP holds roughly 7,245 housing units. 17,436 residents call 48304 home, typically aged 50. Around 18% of renters are cost-burdened. The typical home is worth about $494,600 (3.4× income, relatively affordable).

Overall, 48304 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. While 48304 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: 48304 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. Nothing here is interpolated — where a source is thin for 48304, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

Behind 48304's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. For an operator, 48304 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.