ZIP 48386 Foreclosure, Tax-Lien & Distress Report

ZIP code 48386 in Oakland County, Michigan carries a composite property-distress score of 32/100 — a moderate reading on DLRadar's deterministic distress index. Climate and flood risk are elevated too — climate & FEMA risk (98/100), flood (NFIP) exposure (80/100). Structurally it carries 71/100, against 6/100 of stress already in motion. Property-level stress concentrates in structural risk (71/100), construction/permit lag (57/100), institutional ownership (49/100). On the quiet end sit mortgage stress (19/100).

Prices here sit in a peak phase: values rose 4.2% over the trailing year, and 19% higher over three years (phase confidence 26/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Households earn a median $90,805 — above the roughly $78,000 national figure. The demographic-stress sub-score lands at 32/100. Population is roughly 17,860 with a median age of 46. The vacancy rate is 4.4%. The poverty rate is 10.6%. There are about 7,592 housing units across 48386. Around 69% of renters are cost-burdened. A median home runs $321,100 here, or 3.3 times local income. About 34% have a four-year degree. The tenure split is 83% owner-occupied to 17% rented.

On balance 48386 is mixed, rewarding parcel-by-parcel screening over broad assumptions. While 48386 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

Whether 48386 runs hot or quiet, its 32/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 48386 can be compared directly against any other ZIP in Oakland County, Michigan or nationwide. Sparse data for 48386 shows as blanks, never estimates, and the score updates on every fresh public filing.

The 32/100 figure for 48386 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. Treat 48386 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.