ZIP 48356 Foreclosure, Tax-Lien & Distress Report

ZIP 48356's composite property-distress score is 32/100 - DLRadar classes that as moderate for Oakland County, Michigan. Climate and flood risk are elevated too — climate & FEMA risk (98/100), flood (NFIP) exposure (80/100). The most distinctive pressure shows up in structural risk (72/100), construction/permit lag (57/100), institutional ownership (50/100). mortgage stress (19/100) stay muted. The latent-versus-live split is 72/100 structural and 6/100 already moving.

The market reads peak — home values rose 4.2% year on year, and 16% higher over three years, at 26/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Owners hold 92% of homes, renters 8%. Home values center near $336,800, an affordability ratio of 3.0× — accessible. DLRadar's demographic-stress index for the area reads 22/100. Educational attainment sits at 38% bachelor's-or-above. Population is roughly 8,017 with a median age of 44. The vacancy rate is 6.0%. Around 23% of renters are cost-burdened. The ZIP holds roughly 3,419 housing units. Median household income is $103,708, above the U.S. median near $78,000. The poverty rate is 5.8% — low.

On balance 48356 is mixed, rewarding parcel-by-parcel screening over broad assumptions. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

No ZIP is too small to score: 48356 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 32/100 composite is a like-for-like number rather than an isolated estimate. Where the record is thin for 48356, the field stays empty rather than modeled, and fills in as new documents post.

48356's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. Practically, 48356 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.