ZIP 48421 Foreclosure, Tax-Lien & Distress Report

Lapeer County, Michigan's ZIP 48421 registers 15/100 composite distress, which DLRadar reads as low. Its heaviest discrete signals: construction/permit lag (35/100), structural risk (31/100), institutional ownership (4/100). By contrast, institutional ownership (4/100) and mortgage stress (3/100) register low. Structural exposure scores 31 and live distress 1 on the 0–100 scale. Climate and flood risk are elevated too — climate & FEMA risk (70/100).

The peak-phase market in 48421 posted values that rose 4.2% over the year, and 14% higher over three years, at 27/100 phase confidence. Topping markets hide individual distress behind strong averages.

The demographic-stress sub-score lands at 26/100. The poverty rate is 6.9% — low. Median household income is $69,597, near the U.S. median near $78,000. Vacancy runs 16.0%, above the national norm and a classic distress-and-opportunity signal. The ZIP holds roughly 3,049 housing units. About 6,488 people live here, median age 48. Rent burden reaches 30% of tenant households. The tenure split is 93% owner-occupied to 7% rented. Educational attainment sits at 20% bachelor's-or-above. Home values center near $220,600, an affordability ratio of 3.0× — accessible.

Net-net, 48421 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. There is no property file for 48421 at the moment; the composite and its components are still built from verifiable public records.

The number is not local guesswork: 48421's 15/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. Every figure is auditable to a public dataset and refreshed on ingest; 48421 shows blanks, not estimates, wherever the record is sparse.

Each component behind 48421 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 15/100 roll-up. The point of the 48421 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.