ZIP 48436 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 48436 (Genesee County, Michigan) at a low 24/100 for overall property distress. It additionally carries heavy environmental risk: climate & FEMA risk (89/100), flood (NFIP) exposure (86/100). Latent structural risk is 55/100 while live distress already moving reads 3/100. Property-level stress concentrates in structural risk (55/100), construction/permit lag (45/100), institutional ownership (19/100). On the quiet end sit institutional ownership (19/100) and mortgage stress (8/100).

Prices here sit in a peak phase: values rose 3.3% over the trailing year, and 21% higher over three years (phase confidence 33/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

The demographic-stress sub-score lands at 22/100. Rent burden reaches 21% of tenant households. Roughly 4.6% live below the poverty line, a low share typical of higher-equity areas. About 21% have a four-year degree. Home values center near $276,000, an affordability ratio of 2.7× — accessible. 92% of housing is owner-occupied. The vacancy rate is 4.7%. Population is roughly 4,251 with a median age of 40. Median household income is $91,895, above the U.S. median near $78,000. There are about 1,458 housing units across 48436.

On balance, 48436 reads as a higher-equity, stable market where distress is selective and worth pinpointing parcel by parcel. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

The 48436 read uses the identical public-record model applied coast to coast, which means its 24/100 score means exactly what it means anywhere else, and 48436 stays directly comparable to neighboring ZIPs and the rest of Genesee County, Michigan. Sparse data for 48436 shows as blanks, never estimates, and the score updates on every fresh public filing.

The 24/100 for 48436 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. For an operator, 48436 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.