ZIP 48509 Foreclosure, Tax-Lien & Distress Report

ZIP code 48509 in Genesee County, Michigan carries a composite property-distress score of 25/100 — a low reading on DLRadar's deterministic public-record index. Structurally it carries 56/100, against 3/100 of stress already in motion. The pressure is most legible in structural risk (56/100), construction/permit lag (45/100), institutional ownership (20/100). institutional ownership (20/100) and mortgage stress (9/100) stay muted. Environmental exposure also runs high (climate & FEMA risk (92/100), flood (NFIP) exposure (87/100)).

The market reads peak — home values rose 3.2% year on year, and 22% higher over three years (phase confidence 33/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

9,532 residents call 48509 home, typically aged 43. 86% of housing is owner-occupied. A median home runs $135,800 here, or 2.0 times local income. Educational attainment sits at 16% bachelor's-or-above. There are about 3,964 housing units across 48509. The vacancy rate is 4.9%. Around 40% of renters are cost-burdened. 15.8% of residents fall below the poverty threshold. Households earn a median $64,385 — below the roughly $78,000 national figure. The demographic-stress sub-score lands at 26/100.

Net-net, 48509 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. 48509 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

The number is not local guesswork: 48509's 25/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. Sparse data for 48509 shows as blanks, never estimates, and the score updates on every fresh public filing.

Each component behind 48509 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 25/100 roll-up. The point of the 48509 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.