ZIP 48412 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 48412 (Lapeer County, Michigan) at a minimal 14/100 for overall property distress. Leading the profile are construction/permit lag (33/100), structural risk (30/100), institutional ownership (3/100). On the quiet end sit institutional ownership (3/100) and mortgage stress (2/100). Environmental exposure also runs high (climate & FEMA risk (69/100)). Structurally it carries 30/100, against 1/100 of stress already in motion.

The market reads peak — home values rose 4.2% year on year, and 13% higher over three years (phase confidence 26/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

The poverty rate is 9.0%. Rent burden reaches 39% of tenant households. The tenure split is 95% owner-occupied to 5% rented. The typical home is worth about $231,800 (2.9× income, relatively affordable). Around 16% of adults hold a bachelor's degree or higher. About 5,780 people live here, median age 49. Median household income is $79,714, near the U.S. median near $78,000. The demographic-stress sub-score lands at 27/100. Vacancy runs 6.1%. The ZIP holds roughly 2,371 housing units.

On balance, 48412 reads as a higher-equity, stable market where distress is selective and worth pinpointing parcel by parcel. Parcel-level detail for 48412 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

No ZIP is too small to score: 48412 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 14/100 composite is a like-for-like number rather than an isolated estimate. Nothing here is interpolated — where a source is thin for 48412, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

The 14/100 figure for 48412 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. Practically, 48412 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.