ZIP 48414 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 48414 (Shiawassee County, Michigan) returns a low composite of 20/100. The sharpest non-environmental signals are construction/permit lag (50/100), structural risk (45/100), institutional ownership (16/100). By contrast, institutional ownership (16/100) and mortgage stress (4/100) register low. Climate and flood risk are elevated too — flood (NFIP) exposure (69/100), climate & FEMA risk (63/100). The latent-versus-live split is 45/100 structural and 1/100 already moving.

Prices here sit in a peak phase: values rose 4.2% over the trailing year, and 15% higher over three years (phase confidence 26/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Owners hold 93% of homes, renters 7%. Around 15% of renters are cost-burdened. 11.0% of residents fall below the poverty threshold. There are about 1,121 housing units across 48414. Households earn a median $66,071 — below the roughly $78,000 national figure. The demographic-stress sub-score lands at 23/100. Vacancy runs 4.8%. 2,824 residents call 48414 home, typically aged 43. Around 21% of adults hold a bachelor's degree or higher. A median home runs $195,300 here, or 2.8 times local income.

Net-net, 48414 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. While 48414 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

Because one deterministic model scores every ZIP, 48414's 20/100 can be lined up against any neighbor in Shiawassee County, Michigan or any ZIP coast to coast. 48414 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

Behind 48414'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. The point of the 48414 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.