ZIP 48346 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 48346 (Oakland County, Michigan) returns a moderate composite of 33/100. Its standout signals are structural risk (74/100), construction/permit lag (67/100), institutional ownership (48/100). On the quiet end sit mortgage stress (19/100). The latent-versus-live split is 74/100 structural and 6/100 already moving. It additionally carries heavy environmental risk: climate & FEMA risk (98/100), flood (NFIP) exposure (90/100).

Prices here sit in a peak phase: values rose 4.2% over the trailing year, and 21% higher over three years, at 26/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Roughly 7.0% live below the poverty line, a low share typical of higher-equity areas. On demographic stress specifically, 48346 scores 24/100. Median household income is $97,857, above the U.S. median near $78,000. There are about 10,023 housing units across 48346. Around 26% of renters are cost-burdened. About 41% have a four-year degree. The tenure split is 71% owner-occupied to 29% rented. Vacancy runs 6.4%. Home values center near $325,400, an affordability ratio of 3.0× — accessible. Population is roughly 22,954 with a median age of 41.

Net-net, 48346 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

The 48346 read uses the identical public-record model applied coast to coast, which means its 33/100 score means exactly what it means anywhere else, and 48346 stays directly comparable to neighboring ZIPs and the rest of Oakland County, Michigan. Nothing here is interpolated — where a source is thin for 48346, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

48346's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. The point of the 48346 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.