ZIP 48631 Foreclosure, Tax-Lien & Distress Report

ZIP code 48631 in Bay County, Michigan carries a composite property-distress score of 16/100 — a low reading on DLRadar's deterministic public-record index. The split runs 33/100 structural to 1/100 active on the ground. Environmental exposure also runs high (climate & FEMA risk (78/100)). Leading the profile are construction/permit lag (36/100), structural risk (33/100), mortgage stress (3/100). mortgage stress (3/100) and institutional ownership (3/100) stay muted.

The expansion-phase market in 48631 posted values that rose 5.1% over the year, and 21% higher over three years, at 49/100 phase confidence. Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

Home values center near $172,200, an affordability ratio of 2.1× — accessible. There are about 1,840 housing units across 48631. 4,058 residents call 48631 home, typically aged 49. Around 20% of adults hold a bachelor's degree or higher. The tenure split is 78% owner-occupied to 22% rented. Around 29% of renters are cost-burdened. The vacancy rate is 7.3%. Median household income is $77,813, near the U.S. median near $78,000. The poverty rate is 8.2%. On demographic stress specifically, 48631 scores 24/100.

Net-net, 48631 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

The 48631 read uses the identical public-record model applied coast to coast, which means its 16/100 score means exactly what it means anywhere else, and 48631 stays directly comparable to neighboring ZIPs and the rest of Bay County, Michigan. Nothing here is interpolated — where a source is thin for 48631, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

The 16/100 figure for 48631 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 48631 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.