ZIP 48381 Foreclosure, Tax-Lien & Distress Report

On DLRadar's 0-100 public-record scale, ZIP 48381 in Oakland County, Michigan comes in at 33, a moderate composite-distress reading. Structural exposure scores 74 and live distress 6 on the 0–100 scale. It additionally carries heavy environmental risk: climate & FEMA risk (98/100), flood (NFIP) exposure (90/100). 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 market reads peak — home values rose 4.2% year on year, and 15% higher over three years (phase confidence 26/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

13,737 residents call 48381 home, typically aged 41. A median home runs $405,200 here, or 3.8 times local income. The poverty rate is 5.6% — low. The tenure split is 81% owner-occupied to 19% rented. Educational attainment sits at 45% bachelor's-or-above. Vacancy runs 2.5%. On demographic stress specifically, 48381 scores 27/100. Median household income is $103,156, above the U.S. median near $78,000. The ZIP holds roughly 5,578 housing units. Rent burden reaches 43% of tenant households.

On balance 48381 is mixed, rewarding parcel-by-parcel screening over broad assumptions. While 48381 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: 48381 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 48381, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

48381'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, 48381 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.