ZIP 48428 Foreclosure, Tax-Lien & Distress Report

ZIP code 48428 in Lapeer County, Michigan carries a composite property-distress score of 15/100 — a low reading on DLRadar's deterministic public-record index. Climate and flood risk are elevated too — climate & FEMA risk (69/100). The most distinctive pressure shows up in construction/permit lag (40/100), structural risk (32/100), institutional ownership (4/100). On the quiet end sit institutional ownership (4/100) and mortgage stress (3/100). The split runs 32/100 structural to 1/100 active on the ground.

The peak-phase market in 48428 posted values that rose 4.2% over the year, and 17% higher over three years, at 26/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

About 5,322 people live here, median age 45. The tenure split is 91% owner-occupied to 9% rented. The typical home is worth about $311,600 (3.1× income, relatively affordable). Around 61% of renters are cost-burdened. At $97,596, median income runs above typical U.S. levels. Vacancy runs 3.3%. There are about 2,078 housing units across 48428. About 19% have a four-year degree. The poverty rate is 4.0% — low. On demographic stress specifically, 48428 scores 30/100.

Overall 48428 looks resilient on the surface, so the edge is isolating individual stressed parcels. There is no property file for 48428 at the moment; the composite and its components are still built from verifiable public records.

Big metro or rural, 48428 runs through one identical public-record model, so its 15/100 sits on the same scale as every other ZIP in Lapeer County, Michigan and the nation. Sparse data for 48428 shows as blanks, never estimates, and the score updates on every fresh public filing.

The 15/100 figure for 48428 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. For an operator, 48428 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.