ZIP 48401 Foreclosure, Tax-Lien & Distress Report

On DLRadar's 0-100 distress scale, ZIP 48401 in Sanilac County, Michigan comes in at 16, a low composite-distress reading. Climate and flood risk are elevated too — climate & FEMA risk (68/100). Structurally it carries 36/100, against 1/100 of stress already in motion. The sharpest non-environmental signals are construction/permit lag (58/100), structural risk (36/100), mortgage stress (5/100). On the quiet end sit mortgage stress (5/100) and institutional ownership (3/100).

The market reads expansion — home values rose 5.5% year on year, and 19% higher over three years (phase confidence 32/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

About 14% have a four-year degree. Around 31% of renters are cost-burdened. Median household income is $68,571, below the U.S. median near $78,000. Owners hold 81% of homes, renters 19%. Home values center near $162,700, an affordability ratio of 2.4× — accessible. The ZIP holds roughly 700 housing units. Roughly 14.1% live below the poverty line. Vacancy runs 16.7%, above the national norm and a classic distress-and-opportunity signal. On demographic stress specifically, 48401 scores 27/100. About 1,310 people live here, median age 55.

Net-net, 48401 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. There is no property file for 48401 at the moment; the composite and its components are still built from verifiable records.

The number is not local guesswork: 48401's 16/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. 48401 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

Behind 48401's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. Practically, 48401 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.