ZIP 48476 Foreclosure, Tax-Lien & Distress Report

In Shiawassee County, Michigan, ZIP 48476 scores 20 of 100 for composite distress, a low level on DLRadar's public-record index. Its heaviest discrete signals: construction/permit lag (50/100), structural risk (45/100), institutional ownership (16/100). By contrast, institutional ownership (16/100) and mortgage stress (4/100) register low. Climate and flood risk are elevated too — flood (NFIP) exposure (69/100), climate & FEMA risk (63/100). The latent-versus-live split is 45/100 structural and 1/100 already moving.

Prices here sit in a peak phase: values rose 4.2% over the trailing year, and 38% higher over three years, at 26/100 phase confidence. Topping markets hide individual distress behind strong averages.

Around 12% of adults hold a bachelor's degree or higher. The ZIP holds roughly 294 housing units. Roughly 13.5% live below the poverty line. Around 13% of renters are cost-burdened. At $67,857, median income runs below typical U.S. levels. The vacancy rate is 10.9%. Population is roughly 609 with a median age of 51. 97% of housing is owner-occupied. On demographic stress specifically, 48476 scores 21/100. A median home runs $134,100 here, or 1.8 times local income.

On balance 48476 is mixed, rewarding parcel-by-parcel screening over broad assumptions. While 48476 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

No ZIP is too small to score: 48476 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 20/100 composite is a like-for-like number rather than an isolated estimate. Nothing here is interpolated — where a source is thin for 48476, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

The 20/100 figure for 48476 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, 48476 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.