ZIP 48428 Property Distress & Foreclosure Data

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. It additionally carries heavy environmental risk: climate & FEMA risk (69/100). What sets it apart are the readings on construction/permit lag (38/100), structural risk (31/100), institutional ownership (4/100). By contrast, institutional ownership (4/100) and mortgage stress (3/100) register low. Structural risk reads 31/100 against active distress of 1/100.

The market reads expansion — home values rose 5.6% year on year, and 17% higher over three years, at 34/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

About 5,322 people live here, median age 45. 91% of housing is owner-occupied. The typical home is worth about $311,600 (3.1× income, relatively affordable). Rent burden reaches 61% of tenant households. At $97,596, median income runs above typical U.S. levels. Vacancy runs 3.3%. There are about 2,078 housing units across 48428. Around 19% of adults hold a bachelor's degree or higher. The poverty rate is 4.0% — low. The demographic-stress sub-score lands at 30/100.

Overall 48428 looks resilient on the surface, so the edge is isolating individual stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.