ZIP 48617 Foreclosure, Tax-Lien & Distress Report

ZIP code 48617 in Clare County, Michigan carries a composite property-distress score of 12/100 — a minimal reading on DLRadar's deterministic distress index. The pressure is most legible in construction/permit lag (43/100), structural risk (27/100), mortgage stress (9/100). By contrast, mortgage stress (9/100) and institutional ownership (8/100) register low. Structural risk reads 27/100 against active distress of 3/100.

Prices here sit in a expansion phase: values rose 5.0% over the trailing year, and 28% higher over three years, at 30/100 phase confidence. Even climbing markets leave specific parcels in distress; the scoring isolates them.

76% of housing is owner-occupied. Roughly 20.0% live below the poverty line, elevated and often tied to deferred-maintenance inventory. About 9,729 people live here, median age 37. On demographic stress specifically, 48617 scores 30/100. The typical home is worth about $160,100 (2.7× income, relatively affordable). The vacancy rate is 17.9% — elevated. The ZIP holds roughly 4,037 housing units. Households earn a median $56,601 — below the roughly $78,000 national figure. Educational attainment sits at 15% bachelor's-or-above. Around 28% of renters are cost-burdened.

Net-net, 48617 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. No parcel file is published for 48617 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

No ZIP is too small to score: 48617 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 12/100 composite is a like-for-like number rather than an isolated estimate. Where the record is thin for 48617, the field stays empty rather than modeled, and fills in as new documents post.

The 12/100 figure for 48617 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. The point of the 48617 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.