ZIP 48621 Foreclosure, Tax-Lien & Distress Report

In Oscoda County, Michigan, ZIP 48621 scores 12 of 100 for composite distress, a minimal level on DLRadar's public-record index. On the structural side it scores 26/100, with 3/100 of stress already active. The sharpest non-environmental signals are construction/permit lag (46/100), institutional ownership (28/100), structural risk (26/100). On the quiet end sit structural risk (26/100) and mortgage stress (11/100).

The market reads expansion — home values rose 5.5% year on year, and 22% higher over three years, at 32/100 phase confidence. Even climbing markets leave specific parcels in distress; the scoring isolates them.

Educational attainment sits at 21% bachelor's-or-above. Around 11% of renters are cost-burdened. About 1,087 people live here, median age 54. The typical home is worth about $145,300 (2.6× income, relatively affordable). 16.7% of residents fall below the poverty threshold. The ZIP holds roughly 676 housing units. At $52,353, median income runs below typical U.S. levels. DLRadar's demographic-stress index for the area reads 27/100. Owners hold 77% of homes, renters 23%. The vacancy rate is 32.8% — elevated.

On the whole, 48621 leans distressed, with opportunity clustered in specific stressed parcels. Parcel-level detail for 48621 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

No ZIP is too small to score: 48621 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. Nothing here is interpolated — where a source is thin for 48621, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

Each component behind 48621 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 12/100 roll-up. The point of the 48621 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.