ZIP 48612 Foreclosure, Tax-Lien & Distress Report

ZIP 48612's composite property-distress score is 11/100 - DLRadar classes that as minimal for Gladwin County, Michigan. Structural exposure scores 24 and live distress 2 on the 0–100 scale. Its heaviest discrete signals: construction/permit lag (47/100), structural risk (24/100), mortgage stress (8/100). mortgage stress (8/100) and institutional ownership (3/100) stay muted.

The expansion-phase market in 48612 posted values that rose 5.4% over the year, and 19% higher over three years, at 32/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

Median household income is $55,445, below the U.S. median near $78,000. The demographic-stress sub-score lands at 31/100. The ZIP holds roughly 5,333 housing units. Around 43% of renters are cost-burdened. The vacancy rate is 31.6% — elevated. About 17% have a four-year degree. 84% of housing is owner-occupied. 8,505 residents call 48612 home, typically aged 49. Roughly 11.7% live below the poverty line. The typical home is worth about $164,000 (2.8× income, relatively affordable).

Net-net, 48612 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. 48612 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

The 48612 read uses the identical public-record model applied coast to coast, which means its 11/100 score means exactly what it means anywhere else, and 48612 stays directly comparable to neighboring ZIPs and the rest of Gladwin County, Michigan. Where the public record is thin for 48612, the field stays empty rather than modeled, and fills in as new documents post.

The 11/100 figure for 48612 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. For an operator, 48612 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.