ZIP 48457 Foreclosure, Tax-Lien & Distress Report

ZIP code 48457 in Genesee County, Michigan carries a composite property-distress score of 26/100 — a low reading on DLRadar's deterministic public-record index. It additionally carries heavy environmental risk: climate & FEMA risk (91/100), flood (NFIP) exposure (85/100). Leading the profile are structural risk (58/100), construction/permit lag (46/100), institutional ownership (27/100). By contrast, institutional ownership (27/100) and mortgage stress (8/100) register low. The split runs 58/100 structural to 3/100 active on the ground.

The market reads peak — home values rose 3.4% year on year, and 15% higher over three years (phase confidence 30/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

About 8,694 people live here, median age 42. 80% of housing is owner-occupied. Households earn a median $64,583 — below the roughly $78,000 national figure. Educational attainment sits at 14% bachelor's-or-above. The vacancy rate is 5.0%. DLRadar's demographic-stress index for the area reads 30/100. There are about 3,475 housing units across 48457. Roughly 21.5% live below the poverty line, elevated and often tied to deferred-maintenance inventory. Home values center near $175,900, an affordability ratio of 2.5× — accessible. Around 43% of renters are cost-burdened.

Net-net, 48457 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. While 48457 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

Whether 48457 runs hot or quiet, its 26/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 48457 can be compared directly against any other ZIP in Genesee County, Michigan or nationwide. Every figure is auditable to a public dataset and refreshed on ingest; 48457 shows blanks, not estimates, wherever the record is sparse.

The 26/100 figure for 48457 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. Practically, 48457 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.