ZIP 48309 Foreclosure, Tax-Lien & Distress Report

ZIP code 48309 in Oakland County, Michigan carries a composite property-distress score of 32/100 — a moderate reading on DLRadar's deterministic distress index. Structural exposure scores 72 and live distress 6 on the 0–100 scale. Environmental exposure also runs high (climate & FEMA risk (98/100), flood (NFIP) exposure (80/100)). What sets it apart are the readings on structural risk (72/100), construction/permit lag (57/100), institutional ownership (50/100). On the quiet end sit mortgage stress (19/100).

The market reads peak — home values rose 4.2% year on year, and 21% higher over three years, at 26/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

A median home runs $424,600 here, or 3.4 times local income. The tenure split is 81% owner-occupied to 19% rented. The ZIP holds roughly 11,847 housing units. Educational attainment sits at 63% bachelor's-or-above. 4.7% of residents fall below the poverty threshold. The vacancy rate is 4.4%. On demographic stress specifically, 48309 scores 25/100. Households earn a median $117,788 — above the roughly $78,000 national figure. Population is roughly 30,254 with a median age of 43. Rent burden reaches 50% of tenant households.

Overall, 48309 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. Parcel-level detail for 48309 is not published yet -- the ZIP-level readings above remain fully sourced.

Because one deterministic model scores every ZIP, 48309's 32/100 can be lined up against any neighbor in Oakland County, Michigan or any ZIP coast to coast. 48309 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

The 32/100 figure for 48309 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 48309 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.