ZIP 48604 Foreclosure, Tax-Lien & Distress Report

ZIP code 48604 in Saginaw County, Michigan carries a composite property-distress score of 29/100 — a low reading on DLRadar's deterministic public-record index. Climate and flood risk are elevated too — climate & FEMA risk (87/100), flood (NFIP) exposure (72/100). Property-level stress concentrates in structural risk (63/100), construction/permit lag (53/100), institutional ownership (42/100). On the quiet end sit mortgage stress (8/100). Latent structural risk is 63/100 while live distress already moving reads 2/100.

The neutral-phase market in 48604 posted values that rose 4.1% over the year, and 22% higher over three years, at 21/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

The ZIP holds roughly 4,496 housing units. Vacancy runs 10.9%. The typical home is worth about $101,200 (1.7× income, relatively affordable). The tenure split is 74% owner-occupied to 26% rented. The demographic-stress sub-score lands at 32/100. Around 63% of renters are cost-burdened. Median household income is $53,804, below the U.S. median near $78,000. Around 24% of adults hold a bachelor's degree or higher. Population is roughly 11,284 with a median age of 27. Roughly 28.8% live below the poverty line, elevated and often tied to deferred-maintenance inventory.

On the whole, 48604 leans distressed, with opportunity clustered in specific stressed parcels. 48604 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

Big metro or rural, 48604 runs through one identical public-record model, so its 29/100 sits on the same scale as every other ZIP in Saginaw County, Michigan and the nation. Nothing here is interpolated — where a source is thin for 48604, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

Each component behind 48604 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 29/100 roll-up. For an operator, 48604 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.