ZIP 48613 Foreclosure, Tax-Lien & Distress Report
Bay County, Michigan · High Vacancy market
Bay County, Michigan's ZIP 48613 registers 14/100 composite distress, which DLRadar reads as minimal. The split runs 29/100 structural to 1/100 active on the ground. What sets it apart are the readings on construction/permit lag (41/100), structural risk (29/100), mortgage stress (4/100). By contrast, mortgage stress (4/100) and institutional ownership (3/100) register low. Climate and flood risk are elevated too — climate & FEMA risk (61/100).
Prices here sit in a expansion phase: values rose 5.3% over the trailing year, and 25% higher over three years (phase confidence 38/100). Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.
About 986 people live here, median age 44. Owners hold 93% of homes, renters 7%. The vacancy rate is 15.6% — elevated. The ZIP holds roughly 531 housing units. The typical home is worth about $160,900 (2.8× income, relatively affordable). The poverty rate is 14.1%. The demographic-stress sub-score lands at 26/100. Around 22% of renters are cost-burdened. At $56,106, median income runs below typical U.S. levels. Around 13% of adults hold a bachelor's degree or higher.
Taken together, 48613 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.
Whether 48613 runs hot or quiet, its 14/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 48613 can be compared directly against any other ZIP in Bay County, Michigan or nationwide. Where the public record is thin for 48613, the field stays empty rather than modeled, and fills in as new documents post.
Each component behind 48613 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 14/100 roll-up. For an operator, 48613 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.
What is driving ZIP 48613’s distress
Tax delinquency, institutional ownership, insurance pressure, NFIP/flood, construction lag, price dislocation and auction velocity — plus the 0 individual distressed properties are broken out by owner, address, APN, per-property score and exit read inside DLRadar.
ZIP 48613 Stress Report snapshot
Current distress, phase, housing and lender-pressure figures for 48613, drawn from the same report attached to each property.
Adjacent Bay County ZIP reports
Related reports across Bay County, Michigan
Related ZIP, county and statewide reads linked to Bay County, Michigan.
Unlock parcel-level detail for ZIP 48613
See who owns each distressed property in 48613, where it is, its APN and score, the bank behind it and how fast it should exit — then fund and close it in one click. Continuously refreshed, nationwide.
Built from public records, scored the same way everywhere · methodology