ZIP 48420 Foreclosure, Tax-Lien & Distress Report
Genesee County, Michigan · Affordable market
In Genesee County, Michigan, ZIP 48420 scores 23 of 100 for composite distress, a low level on DLRadar's distress index. The split runs 53/100 structural to 3/100 active on the ground. It additionally carries heavy environmental risk: climate & FEMA risk (91/100), flood (NFIP) exposure (77/100). Its standout signals are structural risk (53/100), construction/permit lag (40/100), institutional ownership (18/100). On the quiet end sit institutional ownership (18/100) and mortgage stress (8/100).
The market reads peak — home values rose 3.3% year on year, and 20% higher over three years (phase confidence 33/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.
The tenure split is 81% owner-occupied to 19% rented. Rent burden reaches 43% of tenant households. There are about 9,107 housing units across 48420. Roughly 10.7% live below the poverty line. The typical home is worth about $192,400 (2.8× income, relatively affordable). The vacancy rate is 3.6%. Median household income is $63,427, below the U.S. median near $78,000. DLRadar's demographic-stress index for the area reads 28/100. About 21,213 people live here, median age 44. Around 18% of adults hold a bachelor's degree or higher.
Net-net, 48420 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. There is no property file for 48420 at the moment; the composite and its components are still built from verifiable records.
The number is not local guesswork: 48420's 23/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. Nothing here is interpolated — where a source is thin for 48420, DLRadar leaves it blank rather than guessing, and re-scores as new records post.
The 23/100 figure for 48420 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, 48420 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.
Signal-by-signal read on 48420
Tax-delinquent parcels, institutional ownership, insurance strain, flood risk, construction lag, price dislocation and auction speed — plus the 0 individual distressed properties — each with owner, address, APN, its own distress score and an exit read — are in the full report.
Snapshot: 48420 by the numbers
A live read on 48420: distress, market phase, housing and bank pressure — identical to the report behind every parcel.
Other Genesee County ZIP codes
Nearest ZIP codes to 48420
By straight-line distance between ZIP centers — the surrounding market, whichever county or state line it crosses.
More distress data near 48420
Related ZIP, county and statewide reads linked to Genesee County, Michigan.
Open the complete 48420 acquisition file
The full 48420 file lists each distressed parcel with owner, address, APN, per-property score, bank exposure and exit-velocity read, and carries it straight through to owner and lender records. Refreshed continuously.
No modelling: every input is a public record · methodology