ZIP 48628 Foreclosure, Tax-Lien & Distress Report

In Midland County, Michigan, ZIP 48628 scores 21 of 100 for composite distress, a low level on DLRadar's public-record index. Structural risk reads 47/100 against active distress of 1/100. Environmental exposure also runs high (climate & FEMA risk (70/100)). What sets it apart are the readings on construction/permit lag (100/100), structural risk (47/100), institutional ownership (3/100). By contrast, institutional ownership (3/100) and mortgage stress (2/100) register low.

Prices here sit in a peak phase: values rose 3.7% over the trailing year, and 20% higher over three years (phase confidence 33/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

There are about 1,056 housing units across 48628. The typical home is worth about $215,600 (2.1× income, relatively affordable). The demographic-stress sub-score lands at 26/100. Rent burden reaches 52% of tenant households. Population is roughly 1,920 with a median age of 49. Around 26% of adults hold a bachelor's degree or higher. Vacancy runs 21.3%, above the national norm and a classic distress-and-opportunity signal. Median household income is $89,183, above the U.S. median near $78,000. Owners hold 95% of homes, renters 5%. 7.0% of residents fall below the poverty threshold.

On the whole, 48628 leans distressed, with opportunity clustered in specific stressed parcels. No parcel file is published for 48628 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

Whether 48628 runs hot or quiet, its 21/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 48628 can be compared directly against any other ZIP in Midland County, Michigan or nationwide. Sparse data for 48628 shows as blanks, never estimates, and the score updates on every fresh public filing.

The 21/100 for 48628 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. In workflow terms, 48628 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.