ZIP 48455 Foreclosure, Tax-Lien & Distress Report

On DLRadar's 0-100 public-record scale, ZIP 48455 in Lapeer County, Michigan comes in at 14, a minimal composite-distress reading. Environmental exposure also runs high (climate & FEMA risk (69/100)). The sharpest non-environmental signals are construction/permit lag (33/100), structural risk (30/100), institutional ownership (3/100). By contrast, institutional ownership (3/100) and mortgage stress (2/100) register low. Latent structural risk is 30/100 while live distress already moving reads 1/100.

The peak-phase market in 48455 posted values that rose 4.2% over the year, and 17% higher over three years (phase confidence 26/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Owners hold 94% of homes, renters 6%. The poverty rate is 5.2% — low. Population is roughly 7,849 with a median age of 51. There are about 3,261 housing units across 48455. Home values center near $367,900, an affordability ratio of 3.6× — accessible. Around 39% of renters are cost-burdened. Around 33% of adults hold a bachelor's degree or higher. DLRadar's demographic-stress index for the area reads 26/100. The vacancy rate is 5.7%. Households earn a median $97,060 — above the roughly $78,000 national figure.

Broadly, 48455 is a steadier market — the deals are the exceptions, not the rule. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

No ZIP is too small to score: 48455 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 14/100 composite is a like-for-like number rather than an isolated estimate. The score is rebuilt from public data as it updates, so 48455 reflects the current record instead of a stale or modeled snapshot.

Each component behind 48455 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 14/100 roll-up. Practically, 48455 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.