ZIP 48316 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 48316 (Macomb County, Michigan) lands at 29/100 — low on DLRadar's public-record scoring. Latent structural risk is 64/100 while live distress already moving reads 6/100. Climate and flood risk are elevated too — climate & FEMA risk (97/100), flood (NFIP) exposure (90/100). What sets it apart are the readings on structural risk (64/100), institutional ownership (48/100), construction/permit lag (26/100). On the quiet end sit construction/permit lag (26/100) and mortgage stress (19/100).

Prices here sit in a peak phase: values rose 4.2% over the trailing year, and 20% higher over three years (phase confidence 26/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

The ZIP holds roughly 12,018 housing units. Home values center near $383,500, an affordability ratio of 3.6× — accessible. Educational attainment sits at 45% bachelor's-or-above. Vacancy runs 3.6%. Median household income is $101,232, above the U.S. median near $78,000. Roughly 5.1% live below the poverty line, a low share typical of higher-equity areas. 80% of housing is owner-occupied. Around 36% of renters are cost-burdened. 28,355 residents call 48316 home, typically aged 47. DLRadar's demographic-stress index for the area reads 26/100.

On balance 48316 is mixed, rewarding parcel-by-parcel screening over broad assumptions. No parcel file is published for 48316 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

Whether 48316 runs hot or quiet, its 29/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 48316 can be compared directly against any other ZIP in Macomb County, Michigan or nationwide. Every figure is auditable to a public dataset and refreshed on ingest; 48316 shows blanks, not estimates, wherever the record is sparse.

48316's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. In workflow terms, 48316 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.