ZIP 48631 Foreclosure, Tax-Lien & Distress Report
Bay County, Michigan · Affordable market
ZIP code 48631 in Bay County, Michigan carries a composite property-distress score of 16/100 — a low reading on DLRadar's deterministic distress index. The split runs 34/100 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 (39/100), structural risk (34/100), 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 scoring 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.
ZIP 48631 distress signals, scored
Tax-delinquent parcels, institutional ownership, insurance strain, flood risk, construction lag, price dislocation and auction speed — plus the 0 individual distressed properties — each with owner, address, APN, its own distress score and an exit read — are in the full report.
Snapshot: 48631 by the numbers
Current distress, phase, housing and lender-pressure figures for 48631, drawn from the same report attached to each property.
Nearby ZIPs in Bay County
Nearest ZIP codes to 48631
By straight-line distance between ZIP centers — the surrounding market, whichever county or state line it crosses.
Keep exploring Michigan distress
More ZIP, county and state distress intelligence connected to Bay County, Michigan.
Open the complete 48631 acquisition file
Every distressed parcel in 48631 comes with owner and address, APN, its own distress score, bank exposure and an exit-velocity read — plus a one-click path to owner and lender records, refreshed continuously nationwide.
Deterministic. Every signal traces to a public dataset · methodology